Rodents Chewing Wires And Car Insurance

​Auto insurance commonly covers damages from accidents, theft, fire, and other unforeseen events. However, some incidents seem minor but vital. It can also include animal damage coverage, including rodents chewing on car wires. It happens more than usual than most people think.

Are Animal Damages Included In Auto Insurance?
Auto insurance coverage typically provides coverage for occurrences involving animal damage, including rodents chewing on wires. But not all insurance policies offer this protection. It is important to consider this when getting your car insured for when it happens. 

What Policy Might Cover Animal Damages?
Some confuse collision and comprehensive coverage with each other. Many people mistakenly believe that their comprehensive insurance covers damage to their car in a collision and vice versa. Comprehensive coverage includes theft and damage from fire, flood, vandalism, hail, falling rocks or trees, hitting a deer, or anything other than a collision. 

Both are optional coverage you can add to your policy. However, it may be mandatory for a car you lease or loan as lenders usually require it in the contract as protection. Animal damages, including rodents chewing on car wires, fall under comprehensive coverage. Your insurance should pay the cost of repair or replacement as long as you have the said coverage and have met your deductible. 

Importance Of Active Comprehensive Coverage
As mentioned, damages such as missing or frayed wires caused by rodents should be covered by your insurance. But you may be responsible for the cost of the damage if rats or squirrels break into your car and you do not have comprehensive insurance or your deductible is too high for the coverage to kick in. With that said, it might be better to consider this when buying insurance.

What To Do After?
Instances like these may happen more often, depending on the location. Once it happens, it is still possible to happen again as rodents strike the same vehicle more than once. Moving your car regularly, using chemical deterrents, and adding comprehensive coverage to your insurance policy are some steps you can take to avoid the same mistake.

Conclusion
A reliable insurance service should always aim to satisfy the customers needs by providing suitable insurance. Having a policy that covers your concerns according to your circumstances may save you from unnecessary hassle and inconvenience. 

At Black And Associates Insurance, Inc., 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 (509) 464-0058 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!