Is rodent damage covered by Progressive insurance?
I have comprehensive coverage and discovered that a rodent chewed through my car’s wiring harness overnight. Tesla estimates the repair will cost nearly $5,000. Should I file a claim with Progressive? Their policy mentions they cover sudden damage—would this situation qualify?
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Whether or not you should file a claim for rodent damage with Progressive depends on a few factors.
Comprehensive Coverage: Since you have comprehensive coverage, rodent damage is generally covered, as it falls under the category of damages caused by animals. However, you may want to review your policy specifically to see if there are any exclusions related to rodent damage.
Sudden Damage Clause: The term “sudden” may be interpreted in different ways. Usually, it refers to damages that occur unexpectedly and without warning. Rodent damage can sometimes be considered gradual, especially if it has been happening over time. It’s best to check with Progressive directly for clarification on how they interpret this in relation to rodent damage.
Claim Impact: If the repair cost is around $5,000, consider your deductible and how a claim might affect your premiums. If your deductible is high, you may want to weigh the benefits of filing a claim against the potential increase in your rates.
Contact Progressive: The best course of action is to contact Progressive and discuss the specifics of your situation with them. They can give you a definitive answer on whether this type of damage would be covered and how to proceed.
Overall, it may be worth filing a claim if you find that rodent damage is covered under your comprehensive policy, but make sure to consider all the implications before proceeding.