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Old 09-04-2020, 02:10 PM   #1
McMimmcs
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Default Model A insurance coverage

If a mouse gets into your car over the winter and eats a hole in the upholstery, is it covered by your comprehensive insurance?
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Old 09-04-2020, 02:38 PM   #2
BRENT in 10-uh-C
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Default Re: Model A insurance coverage

Yes. It will pay to repair it to a condition just as it was prior to the damage occurring, ...minus deductible.
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Old 09-04-2020, 02:42 PM   #3
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Default Re: Model A insurance coverage

I would think so. A call is cheap and fast to your insurer. Have your insurance policy at hand. Most of us have a deductible on the parts/repairs, so you would have to figure out first how bad the damage is and the cost to recover the cushion. Mice usually don't "eat and run". Check for a family buried deeper in your seat cotton/springs.
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Old 09-04-2020, 07:55 PM   #4
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Default Re: Model A insurance coverage

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Originally Posted by mass A man View Post
I would think so. A call is cheap and fast to your insurer. Have your insurance policy at hand. Most of us have a deductible on the parts/repairs, so you would have to figure out first how bad the damage is and the cost to recover the cushion. Mice usually don't "eat and run". Check for a family buried deeper in your seat cotton/springs.
Good advice, thank you !
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Old 09-04-2020, 11:19 PM   #5
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Default Re: Model A insurance coverage

Hagerty specifically disallows insect damage. I don’t know about rodents.
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Old 09-05-2020, 06:51 AM   #6
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Try your home owners coverage as well, that might be a covered event even if not in your garage
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Old 09-05-2020, 07:09 AM   #7
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Default Re: Model A insurance coverage

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Try your home owners coverage as well, that might be a covered event even if not in your garage
Thanks, never thought of that!
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Old 09-05-2020, 06:19 PM   #8
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Try your home owners coverage as well, that might be a covered event even if not in your garage
Not covered!
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Old 09-05-2020, 06:35 PM   #9
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Not covered!
Did you try ?
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Old 09-06-2020, 09:38 AM   #10
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Default Re: Model A insurance coverage

Read your policy before calling. I called my homeowners years ago about options to get a tree removed and they counted it as a claim even though I was just asking about coverage...
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Old 09-06-2020, 10:07 AM   #11
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Default Re: Model A insurance coverage

in that case, call anonymously or say- Im just asking for a friend........lol
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Old 09-06-2020, 10:08 AM   #12
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Read your policy before calling. I called my homeowners years ago about options to get a tree removed and they counted it as a claim even though I was just asking about coverage...
I would change insurance companies IMMEDIATELY if they did that to me.
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Old 09-06-2020, 02:15 PM   #13
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I would change insurance companies IMMEDIATELY if they did that to me.
You and me too.
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Old 09-06-2020, 07:09 PM   #14
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Default Re: Model A insurance coverage

Not that it really matters from the other side of the planet but I'd be out of that company quick smart.
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