Why you can trust Insurance.com
At Insurance.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Car insurance coverage for rat damage can vary depending on the policy and insurer. However, in many cases, comprehensive auto insurance coverage may cover damage caused by rats. Review your insurance policy's specific terms and conditions to know what’s covered.

Comprehensive coverage and rat damage

Comprehensive coverage is an optional type of insurance that covers damage to your vehicle that is not caused by accident, such as damage caused by animals, vandalism, or falling objects. Therefore, if rats or other rodents chew through your car wires, comprehensive coverage can help you with repair expenses.

Car insurance coverage limitations

If you have comprehensive coverage, you will likely have a deductible to pay before your insurance kicks in to cover the damages.

Insurance companies might have a threshold for the extent of damage required to qualify as a claim. If the repair costs for the rat damage do not exceed this threshold, you might not be able to make a claim.

Some insurance providers may require evidence of a rat infestation causing the damage before approving a claim. This can be challenging to prove and may affect your claim's outcome.

What to do after rodent damage to your vehicle

If your car sustains rat damage, follow these steps to address the situation efficiently:

  • Assess the damage: Thoroughly inspect your car to identify any signs of rodent damage, such as chewed wires or interior materials.
  • Document the damage: Take clear photographs of the rat-related damage as evidence for your insurance claim.
  • Contact your insurance provider: Reach out to your insurance company to report the incident and inquire about the coverage for rodent damage. They will guide you on the necessary steps and documentation.
  • Seek professional help: Have a qualified mechanic or technician assess the extent of the damage and provide a repair estimate.
  • File a comprehensive claim: If your policy includes comprehensive coverage that covers rodent incidents, file a claim with your insurer and provide the evidence and repair estimate.
  • Pay the deductible: If your claim is approved, you may need to pay the deductible specified in your policy. The insurance company will cover the remaining repair costs up to the policy limit.

How does rat damage affect insurance rates? 

A single rat damage claim might not significantly impact your insurance rates, especially if you have comprehensive coverage and limited or no recent claims history. 

However, regardless of the cause, multiple claims can potentially lead to higher premiums during policy renewals. It's always wise to use insurance for significant damages and losses and to consider the impact on your rates before filing minor claims.

Tips to prevent rodent damage to your car

While rat-related damage can be challenging to prevent entirely, you can take some preventive measures to reduce the risk.

  • Garage parking: Whenever possible, park your car in a closed garage or secure parking area to minimize rodent access.
  • Use rodent disinfectant: Consider using rodent deterrents like sprays in and around your parking area.
  • Regular inspection: Inspect your vehicle for any signs of rodent activity and address potential issues promptly.
  • Remove attractants: Avoid leaving food or garbage in or around your car, which can attract rodents.

Final thoughts

Car insurance may cover rat damage as long as you have comprehensive coverage on your policy. Most incidents involving animal damage, including rats chewing on your car wires, are covered by comprehensive auto insurance coverage. However, you will have to cover the damage yourself if you don't have comprehensive coverage. Therefore, it is important to check your policy to see if you have comprehensive coverage and what it covers.

Helpful Auto Insurance Articles & Guides