The most delicate parts of a car’s electrical system are the ones that can be damaged. Many times, the damage to electrical systems in cars is caused by rodents or rats biting. This can lead to repairs. The rodent or rat may chew through the wires of your car’s electrical system, causing malfunction and eventual damage.
You might have many questions about the rodent bite. What is the insurance coverage for rat damage to cars? Does car insurance cover rat damage? How do you file a claim for insurance against rat damage? How to prevent rat bites in your car Etc. This article will answer all your questions.
Real Life Scenario:
Ms. Ruby purchased a new Audi car and took Comprehensive online car insurance for 2020-21. Before purchasing car insurance, she did car insurance comparisons online. Insufficient parking space forced her to park her car along the road next to her house. Many residents, including her, live near an underground tunnel and are now at risk from rodents. The rodents roam freely in the colony causing damage to all properties.
Ms. Ruby had taken her family on an outstation trip and left their car unattended. Ms. Ruby discovered that her car wasn’t starting after the trip. After inspecting the system, she discovered that the wires connecting to the engine had been chewed by a rodent. After careful inspection, she took the car to a garage nearby. The final repair bill was around Rs. 45, 000. If you add on Riders or additional coverage, your Audi car insurance can cost as much as Rs.2 lacs. Comprehensive Audi car insurance can be as high as Rs.2 lacs.
What is Rat Bite Insurance?
Although rat bites are rare, they do happen. These can be caused either by a rat chewing or biting through the wires, or both. Rat bite insurance is an insurance policy that covers damages to your vehicle caused by rats.
Rat bite insurance is a type you can buy for your car. Your insurance company will cover the costs of fixing any damage caused by rats if you have rat bite coverage.
Two types of rat bite coverage are available. The first covers repairs to your car if your pet causes damage. If you have rat infestation in your home and they chew through wiring and cause damage to your vehicle, the second type of rat bite cover pays for repairs.
Why is Ratbite Cover necessary for car insurance?
You might consider getting a rat-bite cover for a variety of reasons. It is more likely to find rats in cities. Rats love to chew through car wiring, which can lead to all kinds of problems. Rats can also chew on the wiring, causing the engine to stop functioning or emitting smoke.
Your insurance company will cover any damage to your vehicle caused by rat chewing. Rat bites are a form of damage to your car that is caused by the rodent. Rat bites can happen if the car is left in an area with high rodent activity. The rat can chew on your car leaving tooth marks. This type of damage can be covered by car insurance companies as part of their standard coverage, or as an option.
How does car insurance cover rat bite?
Car insurance includes rat bite coverage. This covers you for any damage caused by rats. This type of coverage is usually offered to car buyers when they purchase a new vehicle. Although rat bite coverage in car insurance isn’t very common, it can provide some security for people who buy cars that are susceptible to rats.
Car insurance includes rat bite coverage. This covers the owner of the car if the rat chews through wiring or damages other parts. This cover covers repairs and any damage done by rats.
Car insurance is a type insurance that covers the vehicle and its contents. This covers third-party liability as well as fire and theft and personal injury.
Are Rat Bite covered by Car Insurance?
Ms. Ruby then reported the incident to her online auto insurance company, stating that the rodent damage caused the loss. The insurance company sent a surveyor out to assess the damage and determine the amount of loss. After several days, she received a letter from the insurance company informing her that the claim was rejected.
The insurance company replied that the damage was caused by wear and tear, not rodent bites. The insurance company refuses to pay the claim despite the fact that it is obvious that the wires were chewed by a rodent.
Ms.Ruby was unable to stand the incompetent behavior of the insured and filed a complaint with the Ombudsman. The Ombudsman found that the rodents caused the damage. He ordered Ms.Ruby to file a complaint with the Ombudsman against the insurer.
This shows that the damage was caused by external visible causes and not accidental. According to the Comprehensive insurance policy, all accidental damage that is caused by external or visible means should be covered.
How to prevent rodent damage to your car?
These preventive steps can be taken if your car has been damaged by rodents.
Do not throw away leftovers. There is a good chance they will attract rodents if they are left out near your car. If the rodents become habituated to it, they will try to find accommodation in the area of the food leftovers. This would mean that your car is at risk. Rodents may cause serious damage to your vehicle while searching for shelter.
Avoid rodent zones: Do not park your car in an area that is rodent-prone. You should avoid areas that are rodent-prone, such as forests, tall grass, shrubs and near drains. Parking outside? Use open spaces and gravel roads.
Seal all hiding places: If you suspect that your garage or home could be used to shelter rodents, seal it completely.
Protect your car engine: Another important thing you can do is to make sure that no material gets into the engine. However, it shouldn’t disrupt the vehicle’s functioning. To prevent rats entering your car’s engine, use rodent- or rat repellents.
How to protect your car from rats?
Rodents are everywhere, and there is a chance that they will get into your car and cause damage. How can we prevent rats from getting into cars? How to stop rodent damage in cars How to stop rats entering cars? How to prevent rats from getting into your car
- Lighting is a problem for rats so make sure your car has ample lighting.
- There are many repellents that can be used to keep rats out of your car. To keep rodents away, use peppermint oil in strategic locations.
- You should keep food out of reach of children and keep your environment clean.
How to protect your car engine from rats?
- Seal any rat hiding spots near your car
- Block small openings into the car’s engine compartment
- Use electronic deterrent devices
- Clean your engine
What does Car Insurance cover for Rodent Damage and Chewed Wires
While rodents are destructive, we don’t think they pose a threat to cars. Rodents can damage the engine by chewing through wires. Rodents can also damage brake lines by chewing them.
Although rodents are not a major concern for car insurers, they will cover rodent damage as well as chewed wires.
Comprehensive insurance covers damage to your vehicle or truck that is not caused by a collision. Comprehensive coverage covers more than just damaged wires. It also covers things like:
- Hail damage
- Falling debris
Is Comprehensive Auto Insurance able to cover rodent damage?
Comprehensive auto insurance policies not only cover third-party damage but also cover damages caused by animal attacks on your vehicle. Rodent damage to your vehicle may be covered under the Comprehensive auto insurance policy’s own damage section.
What are the Rodents that Harm Your Car?
Rodents can be a problem for many people. Rodents can do a lot to damage your car, making it difficult to insure. It is crucial that you act quickly if you find rodents around your car. Start by inspecting the exterior for signs of rodent activity. You should immediately contact a pest control company if you find any suspicious activity.
Rodents can build nests in cars that are left unattended for long periods. Hidden nests can cause problems in vehicle operation, as they are difficult to find and may be hard to see. Nests have been found in every area of cars by rodents:
- Engine compartment
- Under center console
- Climate control ducts
- Paneling is the secret behind it
Rodents will use any material they can find to make nest material such as leaves and twigs. Car owners have reported finding nests from insulation found in hood liners or vehicle carpeting.
How do I file a claim for Rat Bite Cover on Car Insurance?
Rat bite coverage is a type insurance that covers damage to the car caused by rats. This coverage covers the cost of repairing or replacing your car as well as any other damages. This insurance can be purchased through your car insurance company.
This type of coverage is rare and not all drivers are aware of it. We have provided some tips below on how to file a claim if you are required to use this type cover.
Tell your car insurance company what happened. Give them all details about your situation
Documenting the damage is the first step. Photograph your vehicle to clearly show the damage caused by rodents. To start the claims process, contact your insurance company or agent as soon as you can.
The insurance company will send a claims adjuster or ask you to drive your vehicle to a pre-approved body shop for an inspection. Once your claim is processed and approved, either a check will be sent to you for the costs of repairs or a mechanic will do the repairs. Contact the insurance agent if your claim is denied.
If your comprehensive policy has a high-deductible and your vehicle is still driveable, you might consider taking your car to a mechanic for a quote. If your vehicle’s repair costs are less than your policy’s deductible, you may want to pay the full cost out-of-pocket.