Squirrel-Chewed Wires Causing Car Troubles? Here’s What You Need to Know About Insurance Coverage

Dear Mike,
I hope this message finds you well. I am currently facing an unusual predicament with my car. It appears that a squirrel or rodent has decided to take up residence in my wiring harness, causing all sorts of issues. I am wondering if this is something that my insurance policy would cover? I’m at a loss and any advice you could provide would be greatly appreciated.
Best regards,

Dear Dante,

First of all, let me just say that you’ve got some real rodent trouble on your hands! I’ve seen this before, so I can definitely help you out. It sounds like a squirrel has given your wiring harness the good old chomp treatment, and that’s causing all sorts of issues with your car. Let’s take a closer look at what’s going on and how you can get it fixed.

When you have squirrels, or any other rodents, taking up residence in your car, they’re not just lounging around and watching Netflix. No, no, these little critters are up to something more sinister. See, their teeth never stop growing, so they need to chew on things regularly to keep their chompers under control. Unfortunately for you, your car’s wiring harness is the perfect bite-size snack for them.

Now, you might be wondering how you can tell if a squirrel has decided to make your car its personal chew toy. Well, if your check engine light is on or your car isn’t starting, those could be possible symptoms. You’ll need to take your car to a mechanic to examine it and determine whether squirrels are to blame.

But here’s the real question: will your insurance cover the damage? The answer is, it depends. You’ll need to check your policy to see if you have comprehensive coverage. This type of coverage can help protect you against damage that’s not caused by a collision, and that often includes damage from animals like squirrels.

Now, if you’re not sure whether you have comprehensive coverage, you should read your policy or check with your insurance agent. It’s an optional coverage, so you might not have it. But if you do have it, and squirrels are to blame for the damage to your wiring harness, then your insurance should cover the cost of repairs.

Of course, even if you do have comprehensive coverage, you’ll still need to pay your deductible. But hey, at least you won’t be stuck with the entire bill. And trust me, it’s better to have insurance than to be stuck dealing with little critters living in your car all the time.

Now, as for fixing the damage, that’s something you’ll need to take to a qualified mechanic. They’ll need to take a look at your wiring harness and see where the damage is, and then figure out the best way to repair it. Depending on how bad the damage is, it might be a quick and easy fix, or it might be a more complicated and time-consuming one.

In any case, the good news is that once the damage is fixed, your car should be back to its old self again. You won’t have to worry about squirrels causing chaos in your wiring harness anymore, and you can rest easy knowing that your car is protected by comprehensive insurance.

So there you have it, Dante! I hope this advice helps you out. Just remember to check your insurance policy, take your car to a reliable mechanic, and keep an eye out for those pesky squirrels. They might be cute, but they sure are destructive.

Best regards,
Mike Urban
Founder of Urban Automotive