Does Car Insurance Cover Rodent Damage

1. Does Car Insurance Cover Rodent Damage? (And Why Every Fresno Driver Should Care) 2026 2026 JANUARY 22 COMPANY NAME Authored by: McCarty Insurance 1

2. DOES CAR INSURANCE COVER RODENT DAMAGE? (AND WHY EVERY FRESNO DRIVER SHOULD CARE) When you think about auto insurance, you probably picture protection from accidents, theft, or maybe even those infamous Fresno hailstorms, not from a sneaky family of mice. Yet rodent damage is a surprisingly common (and expensive) risk, especially in California’s Central Valley. But does your auto insurance actually protect you from rodent-related repairs? Let’s break down this often-overlooked issue and show you why being prepared is half the battle. The Real Cost of Rodent Damage Rodents, whether rats, mice, squirrels, or chipmunks, love to make themselves at home in vehicles. They are attracted to the warmth and shelter under your hood, and once inside, they can chew through electrical wires, hoses, insulation, and even upholstery. One morning your car won’t start, and a quick look under the hood reveals chewed wires and a very expensive repair bill. Many studies suggest that rodents can cause thousands of dollars in damage, from electrical malfunctions to clogged filters and fire risks. Repairing this type of damage isn’t just inconvenient; it’s costly. Does Your Auto Insurance Cover Rodent Damage? The answer depends on the type of insurance you carry: •Comprehensive Auto Insurance: If you have comprehensive coverage, you are typically protected against rodent damage. Comprehensive auto insurance covers “non-collision” events, think theft, vandalism, weather, and 2

3. yes, animal-related damage like rodents. This protection kicks in whether rodents gnaw on your car’s wiring or build nests that cause mechanical failures. •Liability-Only or Collision-Only Insurance: Unfortunately, liability and collision coverage do not include rodent damage. These policies only cover accidents that involve other vehicles or property, not damage from animals or rodents. Before assuming you’re safe, it’s critical to review the fine print of your comprehensive policy or contact your insurance provider. Some insurers may have limitations, exclusions, or specific requirements for rodent-related claims. What to Do If You Suspect Rodent Damage If you discover rodent damage: •Document Everything: Take clear photos of all affected areas, including chewed wires, nests, or damage to seats and panels. •Contact Your Insurer: File a claim immediately, many providers have apps, hotlines, or online portals for quick reporting. •Prepare for Inspection: Most insurance companies will send an adjuster to inspect or will request you submit photos for remote evaluation. You may choose your own repair shop, but you must coordinate with your insurer to agree on costs. •Deductible Applies:Your policy’s deductible will apply as usual. For example, if a repair costs $1,500 and you have a $500 deductible, you’ll pay $500 and your insurer pays the remainder. Comprehensive claims, including those for rodent damage, may impact your future premium, depending on your insurer and claim history. 3

4. Preventing Rodent Invasions An ounce of prevention goes a long way! Here are some tips to deter rodents: •Park in a garage whenever possible. •Keep the area around your car clean and free of food. •Use deterrents like peppermint oil or safe commercial sprays. •Regularly start and move your vehicle, especially during long periods of inactivity. •Inspect your car for droppings, nests, or chewed wires after storage or in cold weather. Why Partner with a Local, Independent Agency? As a Fresno-based, family-run business, McCarty Insurance understands the unique challenges Central Valley drivers face, including our robust rodent population. We work with top-rated carriers to find an auto insurance policy that truly fits your needs, at the right price, and we’re always ready with guidance if you ever need to file a claim. Protect Your Car from Every Threat, Even the Ones You Can’t See! Don’t let a rodent infestation ruin your day (or your bank account). Contact us today at McCarty Insurance for a complimentary auto insurance policy review. We’ll help ensure you’re covered, from I-5 to your own driveway, so you can drive with confidence, no matter what surprises pop up under the hood. Call us at (559) 324 – 1421, email, or visit our website today. Experience the McCarty difference, personalized advice, prompt service, and coverage built for your life. McCarty Insurance Agency 4

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