Does auto insurance cover a broken side mirror?

Auto insurance will often cover a broken side mirror as long as you have the correct coverage on your policy and you properly file a damage claim.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 23, 2021

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Things to remember...

  • There are different ways your side mirror could have been broken
  • Various types of coverage should be in place on a policy
  • A broken side mirror requires filing a claim with the car insurance company

If you break your side mirror (or it breaks in an accident), you want to get a mirror replacement immediately. Not having a side mirror can affect your visibility on the roads. You need the replacement mirror for safety and for aesthetics.

Rather than paying out-of-pocket for the repair, it’s best to file a claim with the car insurance company so they take care of the costs.

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A Broken Side Mirror

Side-view mirrors are commonly broken. Depending on the make and model of your car, they snap off relatively easily. You want to get the mirror repair done as quickly as possible, but you have to first identify how the side mirror was broken.

Some of the most common ways the mirrors are broken include:

  • Colliding with an inanimate object
  • Getting into a car accident
  • Hit and run
  • Vandalism

You will likely know how the mirror broke and you will need to explain it to the insurance company when you call to file a claim. The coverage you have on your policy will then determine if the broken side mirror will be covered.

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How Various Forms of Insurance will Provide Coverage

There are all sorts of different types of insurance you can add to a basic policy. Once you go above and beyond the state minimums, you are covered against more scenarios.

Depending on your state and fault, it would be your insurance or the other party’s insurance taking care of the repairs.

If it wasn’t your fault, you might be able to get it fixed without paying the deductible.

With collision insurance, you would be covered if your mirror was broken because of an accident. Collision coverage takes care of issues that involve collisions.

With comprehensive insurance, you would be covered if your side mirror broke when you weren’t in the vehicle. These events would include vandalism, where someone decided to break your mirror off just because they felt like it.

It would also include a hit and run, such as if someone hit your car in a parking lot, knocked off the side mirror, and then fled the scene without leaving any information behind.

You never know what’s going to happen. Car insurance allows you to have coverage against what could happen. It’s a good idea to have as much coverage as possible if you can afford it.

Particularly with teen driving, it’s a good idea to have more coverage because teens are less experienced on the roads.

Filing a Claim with the Insurance Company

When you have a broken side mirror, you should file a claim with the insurance company. This claim tells them that there has been a problem. It also allows them to open up an investigation to determine if you have the coverage so they can take care of the costs to repair the broken mirror.

There is the cost of the deductible, which you will need to pay first. A deductible is often either $500 or $1,000 depending on what you have chosen within your policy.

Before you automatically pay the deductible for repairing the broken side mirror, you should take the time to look at the cost of the repair.

Depending on the make and model of your car, the average costs for replacement service at a repair shop are about $300 for parts and labor. In this case, it would be best for you to pay for the repair rather than having it go through insurance.

Car insurance will often cover a broken side mirror. However, you have to have sufficient coverage on your policy. Further, you have to determine if it’s cost-effective to pay the deductible based on the actual repair costs.

If there is more damage beyond the broken side mirror, it’s probably best to pay the deductible.

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.

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