Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 14, 2021

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In a nutshell...

  • There are many animals that can damage your car, but rats and rodents are small and easy to miss
  • Rats have a destructive nature, meaning the damage they cause can occur rapidly without your notice
  • There are many components in your car that can be damaged, such as the interior fabric or the wiring
  • Your auto insurance may help you return to your pre-loss state if you have selected the comprehensive coverage option for your policy

Rats are sneaky creatures that can cause damage to your car when you least expect it to occur; their ability to sneak into small places and cause large amounts of damage quickly make them a nuisance.

It’s important to protect your vehicle from these types of losses before they occur since your provider will not cover losses that occur after the fact.

Comprehensive coverage is essential to protecting your car from damages caused by rats.

Compare car insurance quotes to find the best rate for coverage. Enter your zip code above to compare for free.

Your Auto Insurance and Rat Damages


Your car can be damaged by rats at inconvenient times; the damage caused may be minimal, or it may be extreme and devastating.

When these types of losses occur, your auto insurance may help you return to your pre-loss condition if you carry the correct coverage.

Rats can also cause extensive damage to your car’s electronics and wiring which can cause issues with your headlights, stereo system, or even diagnostics.

Regardless of the damage that occurs, your auto insurance may help you get back to your pre-loss condition if you carry comprehensive coverage beforehand.

This coverage provides you with protection when losses occur that are not related to a collision, although collisions with an animal are the exception to this rule.

Comprehensive coverage is insurance coverage that protects your car when physical damages occur; this does not extend to regular maintenance or wear-and-tear damages.

Your comprehensive coverage will often carry a deductible, which reduces the financial responsibilities for your insurance company.

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What to Remember About Your Auto Insurance

As mentioned before, your insurance policy is designed to protect you from losses above and beyond what you can handle on your own.

Your auto insurance often carries a deductible for comprehensive coverage, which is an amount of the loss you are responsible for that reduces the burden on your provider.

When you file a claim for rat damages, you will need to make sure the cost exceeds the value or your deductible.

Additionally, filing a claim will add to your insurance history, which is the record of your filed claims and your record with your insurance providers.

The number of claims you file can affect your policy premium over time or even cause your policy to be non-renewed.

If you repeatedly file claims for different losses or file claims within a short amount of time, your insurance provider may classify you as a higher risk driver.

When this occurs, it can make the following difficult:

  • Obtaining coverage
  • Maintaining coverage
  • Finding a reasonably priced policy difficult

Discuss your coverage options with your current provider, and make sure to assess your loss before filing a claim.

You may decide that filing a claim is not your best option, which means you may handle the loss on your own.


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While keeping your car safe from rats may seem like a challenge, carrying the correct insurance coverage can help you bounce back from any loss with ease.

Unexpected claim situations can occur, like when a rat chews through your seat cushion when you aren’t prepared to handle the situation.

Carrying insurance coverage for these losses can help you get your car back on the road quickly.

When you’re searching for coverage, make sure to check multiple quotes from different providers; this allows you to compare the pricing between several companies and the coverage they offer.

Different providers may offer coverage at unique price points, which will allow you to choose the policy that best meets your needs; price should not be your only consideration.

Compare car insurance options today by entering your zip code below.