Help! Rats Damaged My Car

Julie Akin • August 29, 2017

If you’re a car owner, you’ve probably imagined worst-case scenarios involving collisions with other vehicles on the road, bad weather, vandalism, or a break-in. But you may not have considered the considerable damage that can be caused by tiny crawling creatures.

From chewing on essential wiring to building nests and hiding pounds and pounds of food inside your engine, rats and other rodents can cause an incredible amount of damage to your vehicle — and headaches to you.

The Damage Rodents Cause

The biggest concern from rodents is the wiring issues the can cause, which can be particularly tricky for a mechanic to fix. Rodents generally chew on wires close to where they’ve built a nest inside your vehicle, which could be in a difficult to find and reach area. Those nests themselves are also an issue — some mechanics have reported finding as much as 25 lbs of dog food and hair inside an engine, choking it up in the process. The diseases and bacteria rodents carry are also worrisome: if rodents have built a nest near your air filter, every time you crank up the air, you’ll get a fresh blast of rat poop and dander.

Yuck!

"That has to be an ideal way to spread an airborne virus," Brian Amman, a disease ecologist with the Centers for Disease Control and Prevention, told Popular Mechanic magazine.

Are the Damages Covered By My Auto Insurance Policy?

The damage rodents cause to your vehicle can be very expensive. If you have had the foresight to purchase comprehensive coverage on your vehicle.... read more

 

 

 

May 9, 2025
To update you on what is happening at the Lukeville/Sonoyta border crossing for our insureds traveling to Rocky Point: Depending on the officer, Mexican authorities (Guardia Nacional) are enforcing the FMM and passport requirements, but not consistently. Some travelers have reported crossing as usual without passports, and officers simply waived them through. Others have reported obtaining FMMs at the border, with all travelers carrying passports. If travelers are transparent and declare any alcohol they’re bringing into Mexico, they are being charged a 114% tax. However, some people reported having alcohol but were waived through by officers and did not pay the tax. It appears enforcement depends on the officer, and tourists are currently taking their chances. It comes down to each traveler’s level of confidence and risk tolerance, as enforcement is not yet consistent. Our company’s recommendation is to follow the law: Process the FMM online Print the form Stop at the INM (Immigration) office at the border to get it stamped Reminder: The FMM tourist permit is only for foreign citizens, not for individuals with dual citizenship. Here is the link to obtain the FMM online (in case travelers ask where to process it before crossing the border): https://www.inm.gob.mx/fmme/publico/en/solicitud.html The INM Immigration Office is located in the Aduana building. For your reference, the Gastrak/Sanborn’s location in Lukeville and the Aduana building (just to the left after crossing the border) are highlighted. Additional reminders for this border crossing: All vehicles must have a current, original, valid registration OR the original title/notarized copy. Digital copies or images are not accepted. If the vehicle is not owned by the driver (e.g., a company vehicle, borrowed from family or friends), a notarized letter of permission from the owner is required to take the vehicle into Mexico. Border Hours: U.S. and Mexican authorities have agreed that the Lukeville–Sonoyta border crossing to Rocky Point (Puerto Peñasco) is open daily from 6 a.m. to 8 p.m., with extended hours on Fridays (6 a.m. to 10 p.m.) from March 7 to October 10, 2025.
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