“Acts of rodent” got me too—like, how often does that actually happen? I’m still learning all this, but my cousin had a squirrel chew through some wires in his old Civic and insurance wouldn’t cover it. Is that really common, or just unlucky? Makes me wonder what else is hiding in the fine print...
Honestly, I wouldn’t call it super rare—rodents getting into engine bays is a thing, especially if you park outside a lot or near trees. I’ve had mice chew up my air filter once, and a buddy had his truck’s wiring trashed by rats. But yeah, most basic insurance won’t touch that unless you’ve got comprehensive. It’s wild what they’ll exclude... I always end up reading the fine print twice now, just in case.
Yeah, rodents are way more common than people think. I’ve seen claims where folks are shocked their “full coverage” didn’t actually cover chewed wires. It’s always the fine print that gets you... I tell people, if you park outside, don’t cheap out on comprehensive.
That’s a good point about “full coverage” not always meaning what folks expect. I’ve seen people get tripped up by that term more than once—especially when it comes to stuff like rodent damage or even hail. Out of curiosity, has anyone actually read through their comprehensive policy line by line? I always wonder how many people really know what’s excluded versus just assuming they’re covered for everything.
I always wonder how many people really know what’s excluded versus just assuming they’re covered for everything.
Honestly, I skimmed mine but never dug into the fine print until I bought my ‘72 Chevelle. Turns out, a lot of the stuff I thought was “covered” actually isn’t. Anyone ever had to fight their insurer over something weird, like an animal chewing wires?