The short answer
Comprehensive covers 'damage caused by animals' — chewed wiring, hoses, and insulation from mice, rats, or squirrels is covered. Soy-based wiring insulation on 2012+ vehicles is a magnet for rodents; some manufacturer service bulletins now acknowledge it. Repair bills of $500–$3,000 are common.
Frequently asked
- Is a comprehensive claim always worth filing?
- Only if damage exceeds your deductible by a meaningful margin — comp claims can affect renewal pricing.
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