Does car insurance cover a side mirror?

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Here's what you need to know...
  • A side mirror is often covered by car insurance
  • The coverage you have and the scenario will determine if insurance will pay
  • You still have to pay the deductible, which might be more than the cost of replacing the side mirror

A side mirror is an important component when it comes to your visibility on the road. If it gets damaged or broken off, you will want to get it repaired/replaced.

Side mirrors protrude out from the side of the car, so they are easily broken off when you get too close to another vehicle as well as to buildings, mailboxes, guard rails, and more.

The cost doesn’t have to be your own financial responsibility. Car insurance will often cover it, though you need to have sufficient coverage on your policy.

When you file the claim, you need to tell the insurance company how the damages happened. Some of the common reasons include:

  • Hit and run
  • Vandalism
  • Getting too close to another object

Whether it was your fault that the side mirror broke or not, insurance will often cover the repairs. You simply have to look at the level of coverage you have on your policy.

If you want to ensure you are fully covered in case your side mirror gets broken, compare at least three to four policies today to find the best rates for you! Enter your ZIP code above!

What kind of coverage do you have on your policy?


You have to take a look at the coverage you have on your policy.

The state will require you to have bodily injury and property damage liability. The levels vary from state to state. This basic coverage is what will protect you in the event you get involved in an accident with another vehicle.

It’s possible that you will break a side mirror when in a car accident like a side-impact collision or various other scenarios.

There are also other ways that your side mirror can break, however, and that’s why you need more than just the basic coverage. Otherwise, you run the risk of the claim being denied.

Collision coverage will cover you in the event that you collide with a guardrail, building, or other objects.

With enough impact, you could scratch, break, or completely sever the side mirror. This coverage would allow you to file a claim with the insurance company.

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Comprehensive coverage will cover you against the things out of your control, such as a hit and run or vandalism. If you come out from a restaurant and find your side mirror dangling, there’s no way of knowing what happened, though this coverage will provide you with the protection.

When you get quotes online for car insurance, you can add both collision and comprehensive coverage to see what the cost will be. Adding them in addition to what the state requires will allow you to have more financial protection in place.

Plus, the cost is often not much more per month, making it well worth it to have more coverage on your policy.

Going Through the Claims Process


If you want car insurance to cover the side mirror, you will need to go through the claims process.

Call the insurance company to let them know what happened. They will then tell you what you need to do to get the process started.

If you have a police report or anything else, that will need to be shared with the insurance company.

Furthermore, you will need to bring the car down to an adjuster or collision center. Doing so will make it easier to assess all damages and estimate the cost of repairs.

Insurance will then look at your coverage and determine whether they will accept the claim or not. You can then decide if you want to pay the deductible and get the work done to fix your side mirror.

Is it worth it to pay the deductible?


Ultimately, if you want insurance to pay for the repairs, you will need to pay the deductible as outlined in your policy. Depending upon how you set up your policy, this will be $500, $1,000, or a different amount.

The cost to repair a side mirror alone might not be more than the deductible. You might want to incur the cost of repairs on your own.

When you go through the claims process, you will see what the estimated cost of repairs is to help you make your decision.

There’s no point in paying more than necessary.

It’s, therefore, a matter of deciding whether you want to pay the deductible and let insurance pick up the rest or if you want to pay for the repairs on your own. If there is more damage than just the side mirror, it’s likely going to be best to pay the deductible.

Side mirrors are often covered by car insurance. The best way to make sure insurance pays is to have more than the state-required level of coverage.

Add in comprehensive and collision coverage so that you have more financial protection in place for the different scenarios that could occur.

Looking to better insure your car after getting a broken mirror? Enter your ZIP code below to compare auto insurance rates today!

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