Will my car insurance policy cover ant damage to my vehicle?

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Asked June 12, 2018

1 Answer


It depends on the cause of the damage and the coverage included in your car insurance policy. In general, most standard car insurance policies cover damages to your vehicle caused by a covered peril, such as collision, theft, fire, vandalism, or natural disasters like hail or a tree falling on your car. If the damage to your car is caused by any of these covered perils, your car insurance policy may cover the cost of repairing or replacing your vehicle, subject to your policy's deductibles and coverage limits. However, it's important to note that car insurance policies typically do not cover damage to your vehicle caused by wear and tear or normal use, such as damage caused by insects like ants or other vermin. If the damage to your car is due to a lack of maintenance or neglect, your insurance policy may not cover the cost of repairs. If you're unsure whether your car insurance policy covers the damage to your vehicle caused by ants or any other cause, it's important to review your policy or contact your insurance provider to understand the specifics of your coverage. You may also want to file a claim with your insurance provider and have an adjuster assess the damage to determine if it's covered under your policy.

Answered June 13, 2018 by InsuranceStar

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