Auto Insurance Glass Coverage: Does It Include Mirror Recalibration?

Whether or not auto insurance glass coverage covers mirror recalibration depends on the type of insurance policy and the circumstances of the damage. If you have comprehensive coverage, your insurance company may pay for mirror recalibration after an accident or damage caused by factors other than a collision, such as vandalism or theft. Collision coverage will cover mirror recalibration if the damage is a result of a car accident. In some states, insurance companies are required to waive the deductible for glass repairs, but not for replacements. It is recommended to contact your insurance agent to understand your specific policy and coverage.

Comprehensive insurance covers side mirrors

Comprehensive insurance is a type of auto insurance that covers damage to your vehicle caused by events other than a collision. This includes vandalism, theft, fire, weather-related damage, and accidents involving animals, among other things. Comprehensive coverage is often the type of auto insurance that covers side mirror repairs and replacements.

Side mirrors are vulnerable to damage due to their protruding position on the vehicle. They can be broken when trying to manoeuvre into a tight space or during a side mirror-to-mirror collision with another vehicle. In some cases, side mirrors may also be damaged due to theft or vandalism.

If your side mirror is damaged due to an accident that was your fault, comprehensive coverage can help cover the cost of repairs or replacement. It's important to note that comprehensive coverage typically covers non-collision events, so if your side mirror is damaged in a collision, you may need collision coverage instead.

The cost of replacing a side mirror can vary depending on the vehicle's make and model, ranging from $20 for a basic manual mirror to over $500 for a high-end model with advanced features. When filing a claim, you may need to pay a deductible, which is the amount you must pay out of pocket before your insurance coverage kicks in. Some policies may have a separate, lower deductible for glass-related claims.

It's important to review your insurance policy or consult with your insurance provider to understand the specific terms and conditions of your comprehensive coverage, including any limitations or exclusions that may apply to side mirror repairs and replacements.

Liability insurance covers mirrors you damage

If you have caused damage to someone else's mirror, your liability insurance will cover the cost of repairs. However, liability insurance will not cover damage to your own vehicle if you are at fault. In this case, you would need collision auto insurance to cover repairs or replacement of your mirror.

If your mirror was damaged by somebody else, you could file a claim against their insurance policy. If the other driver is unknown, such as in a hit-and-run incident, you may be able to claim insurance for a broken mirror if you have uninsured motorist coverage (UIM) auto insurance.

Comprehensive coverage is the type of auto insurance that typically covers auto mirror repair. This coverage helps pay for damages to your vehicle that are not caused by a collision, such as vandalism, theft, or certain types of accidents. If you have comprehensive coverage, your insurance policy is more likely to cover side mirrors damaged in a hit-and-run incident.

The cost of replacing a side mirror can vary depending on the vehicle. The cost of replacement for a side mirror can range from as low as $20 for a basic manual mirror to over $500 for a high-end model with advanced features.

If you are unsure whether your insurance covers mirror repairs, it is best to contact your insurance provider.

Full coverage plans cover damaged mirrors

Full coverage auto insurance generally covers broken side mirrors. However, the type of damage and the insurance plan you have will determine whether your insurance covers the cost of replacing a side-view mirror.

Comprehensive Insurance

Comprehensive insurance usually covers damages that occur while the vehicle is not in use, such as falling debris. Depending on your insurance company and plan, comprehensive insurance may also cover damages caused by another vehicle hitting your unattended car. Comprehensive insurance also covers theft and vandalism.

Collision Insurance

If your side-view mirror was damaged in an accident, collision insurance can help cover the costs of repair.

Liability Insurance

Liability insurance covers mirrors that you have damaged. It only covers repairs needed for vehicles that are not your own. For example, liability insurance comes in handy when you are in an accident that was your fault.

Filing a Claim

If you want to make a claim, you will need to gather information, including a police report (if applicable). Then, contact your insurance company and tell your agent what happened. You may need to take your car to an adjuster to assess the damage.

The cost of replacing a car mirror averages around $299 for parts and labor. Your deductible will vary but could be $500 or more. Therefore, it may not be worth filing a claim if the cost of repair is less than your deductible.

Collision insurance covers mirrors damaged in accidents

If you have collision auto insurance, your mirrors are protected in the event of an accident, even if you are at fault. Collision coverage allows you to file a claim with your insurance company for any damage to your vehicle, regardless of who was at fault.

However, you will need to consider your deductible, compared to the repair costs. A deductible is money that you pay out-of-pocket before your insurance company covers its portion of the damages. If the only damage is to the side mirror, there is a good chance that the bill will be less than the deductible amount. A side mirror replacement generally costs somewhere between $139 and $328 for parts and labor. Meanwhile, a deductible is often either $500 or $1,000, depending on the policy.

If you have comprehensive coverage, your auto insurance policy is more likely to cover side mirrors damaged in a hit-and-run incident. Comprehensive coverage typically includes coverage for vandalism and uninsured motorist incidents, which may apply in hit-and-run cases.

If you have any questions about your specific coverage, it is best to talk to your auto insurance agent.

Insurance rates may increase after replacing mirrors

Whether or not insurance covers the replacement of a broken side mirror depends on the type of insurance coverage you have and who was at fault. If you have comprehensive coverage, your insurance policy will likely cover the cost of replacing a broken side mirror. This includes damage caused by vandalism, theft, or environmental damage. However, it's important to note that comprehensive coverage is typically subject to a deductible, so you may need to pay a portion of the cost out of pocket.

On the other hand, if you only have liability coverage, you will likely have to pay for the repair or replacement out of your own pocket. Liability coverage typically only protects you in the event of an at-fault accident with another vehicle and does not cover damage to your own vehicle.

It's worth noting that filing an insurance claim for a broken side mirror may result in an increase in your insurance rates. Insurance companies may view multiple claims as an indicator of higher risk, which can lead to higher premiums. Therefore, if the cost of repairing or replacing the mirror is relatively low, it might be more cost-effective to pay for it out of pocket to avoid potential premium increases.

Additionally, if you have a high deductible, the cost of replacing the mirror may be less than your deductible amount, in which case, filing a claim would not provide any financial benefit.

To make an informed decision, it's recommended to review your insurance policy or consult with your insurance provider to understand the specific terms and conditions of your coverage.

Frequently asked questions