Does Your Car Insurance Cover Rodent Damage

Protecting your car from rodent damage is often overlooked but can be costly. Comprehensive auto insurance is key to financial protection. Review your policy for any exclusions. Comprehensive coverage is valuable, covering repairs & replacements beyond standard procedures. It includes damage outside driving, bodily injury, property damage, medical bills, uninsured/underinsured incidents, & collisions. Safeguard your car & understand the importance of comprehensive coverage:
1. Comprehensive coverage protects against damage outside your driving experience, such as when your car is parked & gets hit by another vehicle.
2. Bodily injury: If you are responsible for an accident, this coverage ensures that victims receive payment for their hospital expenses.
3. Property damage: If you cause damage to someone else's property, this coverage will cover the cost of repairs or replacements.
4. Medical bills: Your plan should cover medical expenses for yourself & passengers in your vehicle during an accident.
5. Uninsured/Underinsured: This coverage comes into play when the at-fault driver does not have sufficient coverage as state law requires.

Why Do Rodents Chew Car Wires? Rodents & other animals often chew on objects, including car cables. While certain automakers, like Toyota, use soy-based wiring, it has been determined that food-based wiring is not the sole cause of rodent damage. Various factors contribute to this behavior.
Filing a Claim for Rodent Damage When dealing with rodent damage, it is essential to assess the extent of the damage before deciding whether to file a claim. If rodents have chewed through wires to the point where your car cannot start, it is advisable to proceed with a claim.
Reach out to the experts at Knight Insurance Services for more information on dealing with car insurance coverage for rodent damage. With over 100 years of experience helping thousands of people protect their cars, we are dedicated to assisting you now & in the future.