Is Rodent Damage Covered By Car Insurance?
This article is intended to cover everything you need to know about rodent damage and car insurance.
The first question that comes up when considering rodent damage is usually: is it covered by car insurance? The answer is; sometimes, but not always. If your insurance company can link the damage to a different event like a storm or an accident, then they may cover the cost of repair.
Car insurance is a form of insurance that covers the costs of damage to the insured vehicle. There are many different types of car insurance, and there are a variety of ways to get them.
If you don't have insurance against rat and mouse damage to your car, the bills can soon add up. Even if you do, just paying the excess could be expensive if you suffer from multiple episodes. This is where the RatMat Electrified Rat Repellent comes in very useful. Working like an electric fence on the floor, it is incredibly effective at keeping rats and mice away. Low maintenance and low energy, if a rodent sets foot on the tiles it is humanely repelled. However, you can walk over it wearing shoes and drive over it without causing damage.
Car insurers may or may not cover damage caused by rodents such as mice, rats, and squirrels. The extent to which rodent damage is covered will depend on the type of policy you have with your insurer. If there is not a specific exclusion in your policy for rodent damage then it may be covered. This is most likely if you have comprehensive coverage as long as you have collision coverage as well. It is worth having a look at your policy to make sure. They are regional, as well as international variations. In some areas it is impossible to get to protection against rodent damage.
Rodents can cause a lot of damage to your car. They chew through wires, which can lead to more serious problems like fires, as well as damaging the interior and exterior of the car. We have heard stories of safety items such as seatbelts and brake cables being damaged. You might not realise that you have a rat problem until you are in your car and a warning light comes on or your brakes aren't working. Don't take any risks; contact us today.
Dr Toby Bateson
Writing For RatMat, The Most Effective Rat Repellent You Will Find