Will Auto Insurance Cover Rodent Damage?

  1. 375 POINTS
    Tony Canas, CPCU, MBA
    Financial Leadership Rotation Program, Nationwide Insurance, Columbus, OH
    Rodent damage to your car would probably be covered by the Comprehensive (Other than Collision) coverage of your auto policy. However, as with all questions related to claims the only way to know for sure is to file a claim because policies and the way they are interpreted vary quite a bit.
    Answered on April 6, 2013
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Damage caused by rodents is not a standard exclusion in most automobile policies. The coverage would be found under comprehensive. The coverage is adjusted after payment of the deductible. The coverage is limited to the actual cash value of the loss. Since this is a unique situation you might want to discuss it with an agent prior to submitting a claim.
    Answered on April 28, 2015
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