Does Auto Insurance Offer Coverage For Rodent Damage?

Having rodents damage your vehicle may not sound like a situation that commonly happens. But, like it or not, this incident does happen. 

Any repair or damage replacement that rodents do to your car may be covered if you have comprehensive insurance coverage. However, comprehensive coverages don’t cover the damages that rodents cause when the animals gnaw on your vehicle’s wiring. 

Rodents Chew on Wires, Belts, Cables, Hoses, and Filters 
Gnawing is a habitual behavior of animals that belong to the rodent family. Rodent animals include mice, rats, chipmunks, and squirrels. Rodents’ clippers continuously grow and need trimming because these animals cannot trim their teeth or chew on things. 

Chewing keeps these animals’ teeth' incisors’ length more manageable. One of the ways rodents survive is by hiding in dark, dry, and warm locations. The vehicles’ engine compartments are perfect locations for this ambiance. 

Rubber and plastic items fill your vehicle’s hood. So, when the rodents hide in your car’s hood, they gnaw on these materials while hiding within your engine. Rodents prefer to gnaw on materials in indoor spaces instead of chewing sticks and barks outdoors. Gnawing on any materials they can find is more convenient for rodents. 

Ways Rodents Harm Your Vehicle When It’s Inactive for a Long Time 
Rodents can build a nest in your vehicle to camp out there if your car is inactive for a long time. This nest is normally hidden, good, and hard for any person to see. However, this nest may be the culprit for why you’ll eventually discover that your car is not functioning the way it’s supposed to run. 

Rodents can build their nests in the following parts of your vehicle: 

• Engine Compartment 
• Under the center of the console 
• Climate Control Ducts 
• Behind the Paneling Area 
• The Trunk 

Rodents tend to use materials from forests and any outdoor spaces they can locate as materials for building nests. Examples of these materials are twigs, leaves, insulation from hood liners, and carpeting materials for cars. 

Conclusion
Rodents are animals that are uncommonly found. However, the damage they cause to your vehicle when they’re present is equally troublesome. 

At Hayek Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (805) 496-8835 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.