Does Car Insurance Cover Side-Mirror Damage? – Damage to a car’s side mirror is usually minor, assuming no other damage occurs. It is one of life’s minor annoyances that always seems to occur at the worst possible time. When this occurs, you must decide whether to file a claim with your auto insurance company to have the damage covered. Filing such a claim is not as straightforward as it may appear and will be determined by a number of factors. To be more precise, determining who pays for the repair of your car’s side mirror will depend on who broke it and how.
As an illustration, suppose your mirror was broken in a minor collision with another vehicle as a result of your negligence. Alternatively, the mirror may have clipped a bush as you reversed out of your driveway. In either case, you or your insurance company would be responsible for repairing the damage.
If you were involved in a vehicular accident and had collision coverage on your policy at the time of the accident, your insurance company will cover some of the repair costs. Collision coverage enables you to make a claim with your insurance company for any damage to your vehicle, regardless of who caused the damage. However, even if you have collision coverage, you should weigh your deductible against the cost of repairs. A deductible is the amount of money you pay out of pocket before your insurance company pays its share of the costs.
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If the damage is limited to the side mirror, the bill is likely to be less than the deductible amount. Replacement of a side mirror typically costs between $139 and $328 in parts and labor. Meanwhile, depending on the policy, the deductible is frequently $500 or $1,000.
When Someone Else Is Responsible for the Damage
If the damage was caused by someone else, you may be in luck. You can attempt to make a claim against the other driver’s insurance policy, obtain a repair estimate, and have the repair completed. Hopefully, the other driver’s insurer will cut you a check for the repair costs.
If you have collision coverage, you can file a claim with your own insurance company while the other driver’s insurance company works out the details. You will almost certainly be able to obtain at least some of the funds required for the repair more quickly, and your insurance company will handle reimbursement. However, you should keep in mind that filing a claim of this nature may result in an increase in your insurance rates.
If the damage was caused by a hit-and-run driver.
The situation becomes more complicated. If you have uninsured motorist coverage, you can file a claim with your own insurance company; however, if you do not, you will be responsible for the repair costs. It is critical to file a police report following a hit-and-run incident. Certain insurance companies require it in order to treat your claim as a chargeable loss.
When a Thief or Vandal Causes Damage
If none of the preceding scenarios apply to you, you have almost certainly been the victim of theft, vandalism, or what insurance companies refer to as a “act of god.” An “act of God” is a natural occurrence that is beyond the control of mortals, such as a hurricane or a lightning strike. Insurance companies developed comprehensive coverage to protect you against such unforeseen events.
If you have comprehensive coverage and your mirror is damaged by a vandal or the forces of nature, you can typically file a claim with your insurance company. You should, however, verify your policy. Comprehensive insurance may occasionally exclude damage caused by specific natural disasters in areas prone to them. Additionally, you should consider the deductible. You must pay the deductible amount in full before the insurance will kick in.
That’s it about “Does Car Insurance Cover Side-Mirror Damage?” query.
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