Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • When you think of an animal damaging your car, a mouse may be one of the last creatures that come to mind
  • However, their curious, destructive nature makes them perfectly capable of causing damage to your car
  • Damage caused by mice, such as damaged electrical wiring, would be covered under the comprehensive coverage on your car insurance policy
  • Comprehensive coverage protects you from losses that are not caused by a collision; damage caused by animals falls under this category
  • Before assuming you have coverage, make sure to speak to your insurance provider about your policy and make adjustments as needed

Damage caused by mice can happen when you least expect it since they are small and can move into vulnerable parts of your car quickly and easily.

Carrying protection for unforeseen events can be crucial to your repair and recovery; this coverage often needs to be in place before the loss happens. Comprehensive coverage can help you recover from your loss with ease, but make sure to keep a few things in mind.

If you are recently experienced damage to your car by mice and need better auto insurance, compare at least three to four policies today to find the best rates for you! Enter your ZIP code above!

How can a mouse damage your car?

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Damage caused by a mouse or a group of mice can take several forms; the type and extent of damage vary based on what part of your car the mice are inhabiting.

Inside your car’s cabin, mice can chew through the seats or floor mats, leaving nothing but destruction in their wake. This damage can be amplified if there are a large number of mice and they are left with plenty of time to explore their environment.

Storing your car in a storage facility or leaving it parked for long periods of time can both be contributing factors.

Outside your car’s cabin, mice can destroy the wiring that connects different portions of your vehicle to the engine or other electronics. Additionally, mice find that chewing through insulation is a great way to pass the time.

Depending on where your car is parked or stored, the mice may choose to nest and have babies, which can cause more damage.

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Can your car insurance help you recover?

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Your car insurance policy is designed to help you recover and return to your pre-loss state as quickly as possible.

If you carry comprehensive coverage on your insurance policy, you can claim damages caused by mice on your policy and get help repairing or replacing your car.

Comprehensive coverage is sometimes called “other-than-collision” coverage since it protects you from losses that are not caused by a collision with another vehicle, an object, or from flipping your car.

Losses that fall under this coverage are often considered more accidental, or outside human control, such as:  

  •  Animal damage
  • Fire
  • Hailstorms
  • Flooding
  • Theft
  • Vandalism
  • Other non-collision losses

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Before filing a claim for a loss caused by mice, it’s important to assess your damages to decide if the claim process is the right move. If your insurance policy carries comprehensive coverage, you may find that there are conditions that apply to any covered loss, which often includes the deductible that applies to any comprehensive coverage loss.

The insurance deductible is a set portion of any covered loss that you are responsible for paying, which can be paid before the loss is settled or it can be deducted from your claim settlement. Insurance providers have different requirements, so make sure to understand how your deductible works before filing a claim.

What should you remember about this coverage?

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As mentioned earlier, the deductible is an amount that is a set amount that needs to be paid or deducted from any covered loss. Losses below this threshold are not covered.

If you file a claim that is below your deductible amount, or just above it, you may find that the claim process and resulting addition to your claim history are not worth the small amount of restorative help you receive.

Your claim history can have an impact on your policy premium rates, which means the more claims you file, the more your premium can increase. While this is just one of the factors used to determine your premium rate, it’s something your provider will look at when evaluating you or deciding to renew or non-renew your coverage.

Before you assume you have coverage for these types of losses, speak to your insurance provider.

They can go through your policy coverage with you, which includes your coverage choices, your terms and conditions, and even your exclusions, to help you understand what protection you carry.

Conclusion

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Mice are cute little animals that can quickly become a nuisance when left to their own devices inside your car. Your car insurance policy can protect you from these losses, helping you recover and return to normalcy, as long as you carry the proper coverage.

Damage caused by mice falls under the comprehensive coverage within your policy, which may carry a deductible for any covered loss.

If you have questions or concerns about animal-related losses and how your policy protects you, speak to your insurance provider before a loss occurs. They can look through your coverage to help you understand your policy coverage, terms, conditions, and any exclusions.

Make sure to consider insurance policies from different insurance providers, since different companies offer different rates and different coverage choices. Reviewing quotes from several sources allows you to compare your options and to choose the coverage that meets your needs while protecting you from the greatest amount of risks.

Try our FREE online quote tool and start comparison shopping today for better auto insurance rates! Enter your ZIP code below!