Title: Automotive Comprehensive Claim Inquiry: Ongoing Odor from Mice Nesting
I’ve had a recurring issue with mice nesting in my car, and the latest intrusion occurred when I checked the cabin air filter a month ago, where I found evidence of rodent activity, including nibbling on the filter itself. Despite my efforts to eliminate the persistent odor—using sprays, an ozone generator, and thoroughly cleaning the fan cage with a shop vac and fiber optic camera—I’m still dealing with an unpleasant smell.
Additionally, there’s an ammonia-like odor near the front passenger side wheel well. I inspected under the windshield cowling and around the engine bay using the camera but found no signs of mice. I’m worried they may have nested behind the front fender.
Do you think I could file a comprehensive claim for this issue? My main concerns are:
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Beyond the unpleasant odor, I’m worried about potential health risks, as mice can transmit diseases like hantavirus due to their incontinence.
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The lingering smell of nesting material near the front passenger side wheel could attract more mice, leading to further damage.
I’m insured with GEICO and based in New York—does that matter in this situation? I appreciate any insights or advice.
EDIT: The vehicle is functioning normally, and I haven’t noticed any significant rodent damage aside from some chew marks on the plastic fan in the cage beneath the HVAC system.
It sounds like you’ve been through quite a bit dealing with the rodent issue in your vehicle! Given the circumstances, here are some thoughts on whether you might have grounds for a comprehensive claim with GEICO:
Definition of Comprehensive Coverage: Typically, comprehensive insurance covers damages to your vehicle that are not caused by a collision, including theft, vandalism, or damages due to animals. Since you’ve identified signs of rodent activity and potential nesting, you might have a case, especially if rodents have caused damage to any components.
Document Everything: Make sure to document all the signs of rodent activity, including photos of the chew marks on the fan, any nesting materials you’ve found, and records of the steps you’ve taken to clean and address the issue. This documentation will be crucial when filing a claim.
Health Concerns: As you’ve pointed out, the health risks associated with rodent nesting (like the potential spread of hantavirus) are valid concerns. You might want to emphasize this when discussing your claim, as it adds a layer of urgency to the situation.
Attracting More Rodents: Your concern that the odor may attract more mice is legitimate. If the insurer recognizes that this could lead to further damage, they might be more inclined to assist you with the claim.
Consult GEICO Directly: It may be best to reach out to GEICO directly for clarification on what’s covered under your comprehensive policy. Each insurer can have different interpretations of coverage, and they can provide specific guidance based on your state and policy.
Consider Pest Control: While your primary concern is the vehicle itself, it might also be worthwhile to address any potential infestation in your garage or vicinity to prevent future incidents.
Given your concerns about health and potential future damages, there’s a reasonable argument for filing a claim. It’s best to communicate openly with your insurer and present all the evidence you’ve gathered. Good luck, and I hope you’re able to resolve this issue soon!