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rental car damage and liability insurance

 Rodent damage is one of those vehicle problems that can cause a lot headaches due those little animals. The harm to the electrical wiring, engine, and other components of your car are costly. Today's topic will answer whether comprehensive insurance covers rodent damage and what you have to do when your vehicle's rodent gets damaged.

we better be aware of what these little animals bite inside our cars

What is Rodent Damage?

Rodent damage is a car's wiring and other components' malfunction caused by rodents such as mice, rats, and squirrels in your vehicle. These little animals often chew on our vehicle's wiring causing electrical problems and tend to be quite expensive to be repaired.

Does Comprehensive Car Insurance Cover Rodent Damage?

Generally speaking, comprehensive insurance covers rodent damages, but if you don't have this sort of coverage, you will have to pay all rodent damages out of your pocket. If you don't know what your policy covers and what not, you only have to verify the declaration page of your policy, and it will appear on that page.
Remember: comprehensive coverage for rodent damage sometimes doesn't include it in your policy, so you would need to purchase additional coverage for your vehicle.

What Steps Can You Take to Prevent Rodent Damage?

You can follow these steps to prevent rodent damage to your car:

  • Keep your car clean and free of food debris. Rodents' vision is limited, but their sense of smell is sharp. That's why you must clean up your vehicle regularly, avoiding to the car free of crumbs or other food remnants.

  • Store your car in a secure garage or storage facility. Rodents are less likely to cause damage to a vehicle if that one is inside a safe and enclosed area.

  • Use natural deterrents such as mint or fabric softener sheets. Rodents dislike the scent of these items and may avoid entering your car if they are present.

  • Use a rodent repellent spray. There are sprays available that are specifically designed to deter rodents from entering your vehicle.

  • Check your car for signs of rodent damage. Check the engine and electrical components for any signs of chewing or gnawing, and have any damages repaired as soon as possible.

What To Do If Your Car Suffers Rodent Damage

If your car has suffered rodent damage, you must to take the following steps:

  • Contact your insurance company to report the damage. They will advise you on the next steps to take and whether or not your policy covers the damage.

  • Let a professional mechanic fix your car as soon as possible. The damages caused by rodents can cause significant harm to your car, and you have to repair your vehicle as fast as possible to prevent further damage to your car.

  • Store your car in a secure location to prevent future damage.

What Types of Damages are Covered by Comprehensive Car Insurance

In addition to rodent damage, comprehensive car insurance may also cover the following types of damages:

  • Theft or vandalism

  • Natural disasters such as floods, earthquakes, hail, and hurricanes

  • Fire damage

  • Glass damage

  • Damage caused by falling objects


In conclusion, comprehensive car insurance may or may not cover rodent damage, depending on the specific policy and insurance company. Take the proper steps to prevent rodent damage to your car, such as keeping it clean and stored in a secure location, and verify your car haven’t any rodent signs, this way you will prevent damages, and if in case that happens, contact your car insurance company ask for what your policy covers, and repair it as soon as possible.

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