On October 3rd， a curious incident was reported in Jishou， Hunan， where a netizen’s car， parked by the roadside， became the target of a dog’s destructive chewing. Significant portions of the vehicle were reportedly gnawed into pieces， with the damage clearly marked by saliva and bite marks.
The car owner， identified as Yueyue， informed reporters that she was asleep at home when a kind samaritan called， alerting her that her car was being attacked by a dog and that if she didn’t hurry， only the “shell” would be left.
Initially， upon hearing the news， she suspected a scam. However， driven by caution， she rushed to the parking lot to investigate. Upon arrival， she discovered that the car cover on the front of her white private vehicle had been completely shredded and was scattered on the ground. The car body itself was covered in saliva and conspicuous bite marks.
Regarding the ongoing public attention， the car owner mentioned， “The dog involved has not yet been found. Replacing the bumper will cost around 1，000 yuan， and insurance will not cover it.”
It is understood that most car damage insurance policies cover losses caused by “collapse or falling of external objects.” In this unusual case， a dog’s chewing could potentially be interpreted as “disturbance by an external object (animal)，” which might align with the coverage conditions of certain policy clauses. The owner’s concern about insurance coverage is understandable given the novelty of the situation and the potential for insurers to classify it differently from more common forms of damage. This incident highlights a gray area in insurance claims when dealing with damage caused by animals in unforeseen circumstances.
