How to Prevent Rodents from Damaging Your Car: Insurance Tips & DIY Tricks
Rodents chewing through car wires might sound like a minor inconvenience—until you’re staring down a four-figure repair bill. Worse, not all car insurance policies automatically cover this kind of damage.
But there’s good news: you can protect your car, your wallet, and your peace of mind with a smart combination of prevention strategies and insurance know-how.
Why Rodents Target Cars
Mice, rats, squirrels, and even chipmunks find your engine bay irresistible. Here’s why:
- It’s warm and dark — especially in winter
- It offers protection from predators and the elements
- Soy-based wiring insulation smells delicious to rodents
- Garages and parked cars are often undisturbed for long periods
Rodents can enter your vehicle through small openings, build nests under the hood, and chew through wires, hoses, upholstery, or filters.
5 DIY Tricks to Rodent-Proof Your Vehicle
Here are affordable, effective strategies to keep pests away:
- Use peppermint oil or rodent deterrent spray
- Soak cotton balls and place them under the hood
- Spray repellent around entry points
- Seal off entry points
- Use steel wool or wire mesh on vents and air intakes
- Avoid food and clutter
- Never leave food wrappers or pet food in or near the car
- Light up the area
- Motion-sensor garage lights and noise deterrents can help
- Pop the hood when parked for long periods
- This makes the area less cozy for nesting rodents
Does Insurance Cover Rodent Damage?
Yes — but only if you have comprehensive auto insurance. Rodent-related claims fall under the same category as theft, fire, or weather damage.
Typically covered:
- Chewed electrical wires
- Damaged air filters or hoses
- Nest material clogging systems
- Interior upholstery damage
Not covered:
- Gradual, long-term damage due to neglect
- Claims without proper documentation
- Vehicles without comprehensive coverage
How to Maximize Your Claim
If you’ve discovered rodent damage, follow these steps:
- Take clear photos of the damage, nests, or chewed parts
- Get a mechanic’s report stating rodent activity as the cause
- File your claim quickly and honestly
- Include receipts for prior pest-prevention expenses, if applicable
Some insurers may inspect whether you took “reasonable precautions.” Evidence of repellents or deterrents can strengthen your case.
Related Reading on DealyPlanet
- Does Car Insurance Cover Squirrel Damage or Rodent Damage to Wiring or Interiors?
- What Is Comprehensive Auto Insurance?