Can I claim insurance if the engine wiring harness is bitten by a rat?

[EmiliaMarie]

If the engine wiring harness is bitten by a rat, it cannot be claimed under insurance, as animal damage is not covered under the insurance liability clause. Basic introduction to insurance claims: Article 223 of the 'Insurance Law' stipulates that after the occurrence of an insured event, when requesting the insurer to compensate or pay insurance benefits in accordance with the insurance contract, the policyholder, the insured, or the beneficiary shall provide the insurer with all the proofs and materials they can provide related to confirming the nature, cause, and extent of the loss of the insured event. Claim methods: After an insured event occurs, insurance companies settle claims with policyholders in two ways according to the insurance contract: indemnity and payment. Indemnity corresponds to property insurance, referring to the compensation made by the insurance company based on the extent of damage to the insured property at the time of the event, within the insurance limit. Insurance indemnity is compensatory in nature, meaning it only compensates for the actual loss, up to the value of the damaged property, and never exceeds it.