Does car insurance cover rodents chewing wires?

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When you think about what it takes to keep a vehicle in working order, regular maintenance items like oil changes, topping fluids and getting your tires rotated probably come to mind. However, one safety concern you might not think about until it is already too late is preventing a potential rodent infestation. Small rodents such as mice, rats, squirrels and chipmunks have been known to crawl up into the hood of a vehicle and cause serious damage by chewing on your vehicle’s wiring.

If a rodent has taken shelter in your hood and spent its time chewing through the wires, you could have a big problem on your hands. The wiring systems in your vehicle are essential for your vehicle to operate properly so rodent damage to car wiring can be extremely costly to repair. Facing such expensive repairs, you may be wondering, “does car insurance cover rodent damage?” Before you head to the mechanic with your checkbook in hand, you may want to consult your insurance policy.

Does car insurance cover rodents chewing on wires?

Although the specifics vary by policy, some car insurance policies may cover rodent damage to car wiring. If your policy has comprehensive coverage, you may be able to file a claim for rodent damage to your wiring. Comprehensive coverage is a type of coverage that can be added to your policy and covers vehicle damage that is not covered under collision coverage—that is, damage to your vehicle not caused by an accident.

Comprehensive provides coverage for vandalism, theft, weather damage, fire damage and damage caused by wild animals. Although you probably expect comprehensive coverage to cover damages caused by hitting a larger animal like a deer, animals of all types and sizes are covered, even rodents. Although a certified mechanic will need to confirm that rodents did cause the damage, the repairs for rodents chewing through your car wires should be covered under a comprehensive claim.

Do I have comprehensive coverage?

Before you try to file a claim for rodents chewing car wires, you will first need to confirm you have comprehensive coverage. The quickest way to confirm this coverage is to check your policy declarations page. Some insurance carriers call this coverage “comprehensive” while others may call it “other than collision” coverage. This coverage typically applies a deductible but not all carriers require one. If you are still unsure, you can always call your insurance agent to check.

Why do rodents chew on car wires?

Pest control companies explain that rodents chew on car wires simply because they are always chewing. Rodent’s teeth are constantly growing and to keep them from getting too long or too sharp, rodents must constantly chew to wear down their teeth. For a long time, many people believed that vehicle wiring contained materials that rodents liked to chew but this is just a myth. If a rodent has already set up shop in your hood, the reason they chew through your wires is purely convenience—the wires are right there and easily available to them.

Ways to protect your car from rodents

Although knowing your comprehensive coverage may cover damage caused by rodents should give you a peace of mind, it is easier to avoid the hassle of rodent damage in the first place. Luckily, there are steps you can take to help prevent any rodents from crawling into your car’s hood and causing destruction.

  • Park inside. If your home has one, always park your car inside a sealed garage. Make sure that you keep exterior doors shut as often as possible and do not keep trash bins, pet food, bird seed or other items that may attract rodents, inside the garage.
  • Keep your car clean. Trash, food wrappers and other debris that could serve as a food source may draw rodents into your vehicle. If you regularly keep the interior and exterior clean, rodents are less likely to find your vehicle an attractive option for residence.
  • Use repellants. If you cannot park inside or live near a wooded or grassy area where rodents are known to frequent, you might want to take precaution by utilizing rodent repellents such as moth balls, peppermint oil or other items with a strong scent. You can always check with a local pest control specialist and your mechanic to make sure a product is safe and effective for use. You can even purchase specialized tape to go around your wires that is coated in an offensive flavor that may deter further chewing.
  • Move your car frequently. Rodents like to nest in enclosed spaces and your car hood may look like a great option if it is always sitting in the same place, especially during colder months. Even if you are working from home and do not drive very often, try to start your car on a regular basis to deter any unwanted animals from crawling inside.

Frequently asked questions

How do I document damage caused by a rodent for an insurance claim?

If you have discovered a rodent nest in your vehicle, it is best to get a licensed mechanic to examine the area and check for damage. If possible, try to take photos inside your hood, or wherever the rodents have nested, in case you need to file a claim later. Ask the mechanic to take detailed notes of the damaged areas and to clearly explain that the cause of the damage was from rodent activity, and not just normal wear and tear. These items may come in handy when you are working with a claims adjuster.

How do I know if a rodent has chewed through my wires?

Rodents are very small and sneaky so you might not even know a rodent has taken up residence in your vehicle before the damage is already done. Look for evidence of rodents such as droppings, strange odors or even a glimpse of the rodent itself hanging out near your vehicle. If you cannot see any physical evidence, try listening for a scratching or scurrying sound to indicate something is in your hood.

Can rodents cause other damage to my vehicle?

Unfortunately, rodents can wreak havoc on your vehicle in several ways once they start. Although chewing through your wires is a huge concern due to impacting your vehicle’s function and safety, there are plenty of other areas that can become damaged. Rodents can chew and scratch up almost anything including your interior seats or plastic panels on your car. Additionally, they may bring debris inside that could act as a fire hazard or nest up in AC ducts or other areas impeding the function of your vehicle.

Written by
Jessie See
Insurance Contributor
Jessie See has a year of experience writing for Bankrate.com, Reviews.com and other insurance domains. She has covered topics ranging from auto and homeowner’s insurance to life insurance. She has been writing professionally for over a decade with experience in a variety of different topics and industries. Prior to becoming an insurance writer, she worked as a legal assistant in the field of personal injury law and as a licensed sales producer at various insurance agencies.
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