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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UPDATED: Nov 15, 2010

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Insurance Question from Bradenton, FL

Asked on 11/15/2010

IF A RAT WAS TO CHEW THROUGH THE GAS LINE ON YOUR CAR IS THAT COVERED IN ANY AUTO POLICY NULL

Answer given on November 18, 2010

Damage by a rodent can be covered by your automobile insurance, depending upon the insurance company.  You should talk to your insurance agent to see if this is covered.

If it is covered, it would be under the comprehensive portion of the policy, and subject to that deductible.  This would be a loss that would affect your insurance rates, so you can report the claim without the worry of a rate increase.  If you do not carry comprehensive coverage, then there would not be any insurance coverage for the damage to your car.  You do need to let the insurance company see the damage to be sure they agree with the cause of loss, so do not repair your car before the adjuster sees the damage.


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