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Does my insurance cover rodent damage to a car?

Here's what you should know...
  • Your auto insurance may provide coverage if there is rodent damage to your car
  • You may have coverage if you currently carry comprehensive coverage on your auto insurance policy
  • However, you would be required to pay your deductible before any coverage would take effect
  • Your deductible is the amount you have agreed to pay before your insurance coverage takes effect
  • If you have questions about your coverage, discuss them with your current or potential insurance provider

Rodent damage is not a threat to your vehicle that you may often think about. However, rodents can cause a large amount of damage to your car without you even realizing it. If you are in a situation where rodents have caused damage to your car, then your insurance company may provide coverage in your auto insurance policy. There are factors you need to consider, including your coverage options, your deductible amount, and any future premium increase that may occur.

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You May Be Covered If You Carry Comprehensive Coverage

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If there are damages to your vehicle that are caused by rodents, then your auto policy may provide protection so long as you have comprehensive coverage. This policy coverage protects your vehicle in most situations that are considered “other-than-collision” damages. Just like your collision coverage, this policy coverage normally has a deductible and policy terms on how your coverage may apply or any policy exceptions.

There are times when you may determine it does not make sense to have comprehensive coverage on your auto policy. For example, if you are driving a vehicle that has a low-value or is many years old, then it may make sense financially to pay for any potential damages on your own. When you are looking at potential insurance companies, make sure to discuss your vehicle’s value with them. They can provide you with different quotes to determine the best option for your needs.

You Will Be Required To Pay Any Deductible Listed On Your Policy

Your coverage deductible is the amount that your policy terms may require you to pay before any coverage takes place. In most auto policies, the higher the deductible you select, the lower your annual premium for the coverage ends up being. This amount is agreed to before you purchase your policy, so it should be an amount you feel comfortable paying in the event of an incident.

For example, you may carry comprehensive coverage on your policy with a $1000 deductible. If rodents damage your vehicle, you will be required to cover the deductible before your insurance company steps in. If the damage caused by the rodents is valued at less than $1000, then your insurance company may not provide coverage. If the damage caused by the rodents is over $1000, then your insurance company may provide coverage above your $1000 deductible amount.

Your Policy Premium May Increase As a Result Of The Claim

Vehicle insurance claim form

Insurance companies look at many factors when determining what to charge for an insurance policy. One factor that your insurance company may take into account is your claim history or insurance record. This means the insurance company will look at how often you file a claim, how many you’ve filed in the past, and how many you were at-fault for when quoting your policy or when they review your policy annually.

Your policy may be reviewed on an annual basis, or more frequently, as your insurance provider determines is necessary. This allows the insurance company to determine if the risks they are insuring against are still in their favor, or if they need to make alterations to better protect their interests.

When filing a claim for rodent damages, keep in mind that this will add to your claim history and insurance record. This means that your insurance provider may look at the amount of risk you bring to their company, and could potentially adjust your premium to compensate. This premium increase may last for several years after the claim has been filed. In some situations, if you have filed numerous claims, your insurance company may decide to stop providing you with coverage at all.

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Deciding on the Coverage You Need

Your auto insurance may cover your vehicle is rodents cause damage. However, there are different factors you should consider before going through with filing a claim.

The first thing to look at is if you carry comprehensive coverage on your insurance policy. If you do not carry this coverage, your insurance company will not normally provide protection for this kind of damage. This means that any claim you file would not result in a settlement in your favor.

The second thing to consider is your deductible for any comprehensive coverage claims. Your deductible is the amount you are normally required to pay before your policy limits take effect. If your deductible is higher than the estimated damages to your vehicle, then your insurance company may not provide coverage for the damages.

The final thing you should review is the potential for a premium increase due to your claim. Insurance companies are looking to provide insurance policies to lower-risk drivers; meaning drivers that are not in accidents and do not file claims. The more claims you report, the higher the potential for a premium increase or a policy non-renewal.

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