Will auto insurance cover a broken side mirror?

A broken side mirror on your car is an expensive repair. But does your auto insurance cover it? Read this article to find out!

Free Auto Insurance Comparison

secured lock Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 21, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to remember...

  • If the side mirror on your vehicle is damaged, state laws may dictate that you get it replaced
  • You can make a claim on your own policy or against the policy of the at-fault driver
  • You will need to consider any deductible to see if it is worth claiming in the first place

The side mirrors on your car or truck are some of the most vulnerable parts of your vehicle when it comes to potential damage. They protrude from the side of the vehicle, making them easy to break when you’re trying to maneuver into a tight space. 

They’re also in danger from careless drivers in a mirror-to-mirror accident, which can leave you with an unexpected bill. So, do you need to foot the bill yourself in every case, or will insurance cover a broken side mirror instead? Let’s take a look.

Compare car insurance quotes to find the best rate for the coverage you need! Just enter your zip code above.

Will insurance cover a mirror to mirror accident?

To find out if your insurance will cover a mirror to mirror accident, you need to focus on how this happened. Much will depend on who caused the damage and what coverage you have. 

As a minimum, most states require you to have third-party property damage liability and bodily injury coverage. This is also known simply as liability coverage and protects you if you’re involved in an at-fault accident with another vehicle. 

However, this won’t cover damage to your vehicle when you’re at fault — including broken side mirrors.

How was the damage caused?

Here is a list of a few scenarios and what kind of car insurance they would fall under:

  • If you broke the mirror on your car due to your own negligence, the type of policy you have will dictate the outcome. If you only had liability coverage, you would have to pay for repair or replacement out of your own pocket. 
  • However, if you have collision coverage, which covers damage to your vehicle when you’re at fault, you can likely file a claim with your insurance company even if you caused the accident. 
  • If the damage occurred due to a storm or other non-collision event, you’d need comprehensive coverage to make a claim.
  • If the damage was somebody else’s fault and you know their identity, you could file a claim against their insurance policy. 

In this last case, you may have to provide evidence to prove that they were at fault, but in most cases, their insurance policy will cover your broken side mirror repair costs.

Hit and Run, Theft, or Vandalism

It’s not unusual for damage to occur in a tight parking lot when you’re not present with the vehicle. 

Sometimes, the offending driver will depart the scene without leaving their details. If you have uninsured motorist coverage, you may be able to claim insurance for a broken side mirror with your own insurance provider, but otherwise, you will have to cover the repair cost yourself.

Comprehensive coverage also extends to theft and vandalism, and collision coverage will sometimes cover a hit-and-run.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Is filing a claim worth it?

Just remember that you will need to consider the amount of your deductible to see if you would be better off avoiding a claim and paying for the damages yourself. 

The cost of replacing a side mirror averages around $299 for parts and labor. Your deductible will vary but could be $500 or more. 

In that case, it won’t be worth filing a claim since you’ll have to pay the cost out of pocket anyway. Even if your deductible is small enough, it’s still worth considering not filing a claim since it could risk your rates going up.

How do you file an insurance claim for a broken mirror?

If you do want to make a claim, the process is relatively straightforward:

  • Gather the information, including a police report (if applicable).
  • Get in touch with the insurance company, tell your agent what happened, and file any relevant paperwork. 
  • You may need to take the car to an adjuster so the damages can be assessed and the cost of repairs or replacement. 
  • The insurance company will then consider all the details, determine whether to accept the claim and provide you with repair options. 

If you accept the offer, you’ll need to pay any deductible when work gets underway.

What does the law say about side mirrors?

Many states require that a vehicle has a working driver’s side mirror. 

For example, in the case of Washington state, laws dictate that side mirrors should give the driver a view of the highway for at least 200 feet to the rear of the vehicle. 

So, if your mirror is currently damaged, you’ll want to repair or replace it as quickly as possible to avoid a potential ticket.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Will insurance cover a broken side mirror?

In most states, you cannot drive a vehicle with a defective mirror, at least on the driver’s side. If you have a broken side mirror, you need to get it repaired as soon as possible and may want to consider an insurance claim. 

Your next move will depend on the type of coverage you have and who was at fault. Even if you file a claim with your insurance company, you need to consider the value of your deductible against the total bill and any potential rate increases.

You never know when an accident is going to occur or how much the damages will be. So make sure you have the right insurance coverage in place. Enter your zip code below and compare car insurance quotes today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption