Can I Claim Insurance for Car Damage Caused by Rats?
2 Answers
Insurance companies will not compensate for damages caused by rats chewing on your vehicle. Only vehicle losses resulting from traffic accidents fall within the terms of the insurance contract and are eligible for claims. To insure your car, you need to bring documents such as the vehicle registration certificate, vehicle transfer invoice, and ID card. Vehicle Insurance: Vehicle insurance, also known as motor vehicle insurance or car insurance, refers to a type of commercial insurance that covers personal injuries or property damage caused by natural disasters or accidents involving motor vehicles. Car Insurance: Car insurance is a type of property insurance. In the field of property insurance, car insurance is a relatively young category, as it emerged and developed alongside the appearance and popularization of automobiles. Unlike modern motor vehicle insurance, early car insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body.
My car was also bitten by mice before. At first, I wondered if I could file an insurance claim. Later, after consulting a friend from the insurance company, I learned that it generally depends on the type of car insurance. If you have comprehensive insurance or collision insurance, you might be able to claim for such cases, as damage caused by mice is considered external damage. However, the damage must be significant, such as chewed wires affecting driving safety, for the insurance company to cover it. Minor bite marks might not qualify. I learned this the hard way—when some plastic on the bumper was chewed, the insurance company said I needed special coverage for that. In the end, I had to pay for the repairs myself, and now I regularly inspect the underside of my car and place rat poison. My advice is to call your insurance company directly, check your policy for specific terms, and don’t waste time. Also, avoid parking too close to trash bins, as mice can easily climb in. Prevention saves trouble.
