One of the most common and tricky damage that rodents cause is chewing the wiring of a car, thus leading to electrical malfunctions. They chew on the wires around the spots where they have built their nest in your four-wheeler.
Reaching such spots and repairing them can be quite difficult for a mechanic.
Moreover, rats can also cause havoc to a car's insulation and other components, such as the car's engine, upholstery, air vents, and seats. Plus, their nesting habits can turn your car's engine compartment into a clogged area.
Now the question arises, "Does car insurance cover damage caused by a rat infestation?"
Yes, a comprehensive car insurance policy covers rat attacks that cause an electrical malfunction due to biting on the electrical wiring of the car.
The own damage part of comprehensive insurance is designed to cover damages to your vehicle caused due to rat attacks Since electrical damage due to a rat bite is an unforeseen accident, your policy will offer compensation under such a scenario.
However, if you have third-party car insurance only, any such attack on your car will not be covered by the insurer.
To file a claim for Rat bites under your car insurance, follow these steps:
You May Also Read: Does Your Car Insurance Cover Animal Attack
Nobody wants to imagine their car falling victim to a rat attack, but unfortunately, it's a reality that some vehicle owners have faced. Here are some ways that you can adopt to prevent rat infestations in your car:
While the idea of a rat attack on your car may seem like a horrifying situation, understanding your insurance coverage can bring peace of mind. Comprehensive or own-damage car insurance is generally your backer in such situations, but it's essential to familiarise yourself with coverage before purchasing. You can easily compare car insurance online and get all the info about your policy inclusions on Policybazaar.com.
Remember, prevention is key, so take preventive measures to keep those rats at bay and safeguard your vehicle from unexpected rodent encounters.
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