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Rodents can cause a great deal of car damage by chewing through wires or nesting in the engine. But if you keep extra physical damage protection on your car, you can rest easy knowing your car insurance likely covers the damage. For recurring visitors, keep critters out of your car by storing it in a drum-tight garage and driving regularly.
Yes, many car insurance companies cover rodent and other animal damage under comprehensive coverage. However, comprehensive is optional if you own your car outright, so you’ll need to add this coverage to be protected.
For drivers with a car loan or lease, your contract will require you to get comprehensive, which means you should have coverage. If you didn’t opt for this add-on, you’ll be out that money from your own bank account.
Damage often happens when rodents chew through your car’s wiring or leave nests and food in the engine. However, your insurer may cover other types of damage too. Specific situations may vary by provider, but examples include:
Having the right coverage means your car can get the repairs it needs after damage from small animals. But your insurance may not cover everything involved with your rodent problem.
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
After finding out that a rodent ravaged or dented your ride, you may decide to file a claim for your car. When doing so, it’s important to gather all the facts and details so that you can decide how to move forward.
You might want to report damage as soon as you know about it for a quick, smooth claims process. Your insurer might need several days or weeks to settle your claim, but filing only takes a few simple steps:
Repair costs can differ widely based on what part of the car the animal damaged and how severe it is.
For example, dents, dings or new paint jobs might cost between $60 and $300. However, rewiring an entire car due to chewed wires could cost $1,200 to $1,500.
In addition, replacing glass could cost you up to $2,000, depending on your car model. If the damage doesn’t require a full replacement for glass or wiring, repairs may cost less.
If you’re dealing with a recurring rodent problem or live in a rural area, you can take multiple steps to protect your vehicle.
Rodents can cause expensive damage to your car, depending on where the damage happened. However, comprehensive could save you from paying for these repairs yourself. Shop several insurers to find the best protection and value possible for comprehensive coverage.
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