A skunk sprays the inside of an automobile.
1) Is it a covered loss?
2) Is there “damage”?
3) Is the air inside a vehicle covered property?
I meant “Auto” claim. I’ve had this issue before when someone poisoned mice in their garage and the mice died inside the car body. Obviously the odor is in the air. There’s no physical damage to the car. And the air technically isn’t insured property. But we felt a judge would frown on this argument. So it was paid.