If you happen to get into an accident and damage is done to your side mirror, you might be wondering if it is covered. Well, we have both good and bad news to give you. Any accident that you get into, so long as you have collision insurance, you can make a claim on. However, it isn’t always worth making a claim on your insurance. Especially for something like a side mirror, it might not be worth the money to put a claim through your insurance. Although, this is not always the case. If damage was done to other parts of your vehicle, and serious damage was done, it could definitely be worth putting your side mirror through as an insurance claim.

How much does collision insurance cost?

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If you have basic insurance, you might be wondering how much collision insurance will cost you. It will definitely increase your insurance policy by a decent amount. This is because collision insurance definitely increases the amount of risk for an insurance company. If you have a high-end vehicle, you’re likely going to want to get a decent amount of collision insurance coverage. This essentially means that if you get into an accident, your insurance company is on the hook for the money to fix your vehicle.
Due to this reason, the higher of a risk that your insurance company deems you to be, the more you’re going to have to pay for collision insurance.

Assessing the damage

Before deciding whether or not you should make a claim on your side mirror, it is important to assess the damage. The more damage that was done to your vehicle, the more it might be worth making a claim on your insurance. Assessing the damage properly is extremely important. It is also important to make sure that you get it assessed properly if you’re thinking about making a claim. Your insurance company will only give you what they deem appropriate to fix your vehicle. For this reason, it never hurts to know someone who does vehicle repairs. This will allow you to be able to get a quote from them. Knowing the approximate costs can really help in deciding whether or not to make a claim.

Side mirror hit-and-run

If someone hits your mirror and drives away, it is a very unfortunate situation to be in. A hit-and-run is not something that you shouldn’t take seriously. Sure, your side mirror may not cost a whole bunch of money to fix, but it likely isn’t worth making a claim on. This means you’re likely going to be paying out-of-pocket for the damages. For this reason, you might want to consider filing a police report. If you end up having to make a claim, your insurance company might ask you for a copy of the police report. The report is evidence to an insurance company that the event actually took place. Therefore, you need to make sure that you file one.

Cost to repair a side mirror

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If you’re trying to decide whether or not you should file a claim, you might be wondering how much it costs to repair side mirror. The best way to answer this question is to ask a qualified appraiser. However, you can get a general idea of how much your mirror is worth relatively easily. If you just have a plain side mirror without any gadgets built into it, it will likely only cost you a few hundred dollars to fix. A high-end model with a gadget-filled mirror could cost you around a $1000 or more to repair. The more complex the mirror is, the more it costs to manufacture. If there are things like lights on your mirror, blind spot detection, or any other gadgets, your repair cost is going to increase.

What if I hit someone’s side mirror?

The problem with hitting someone else’s side mirror is that it is a relatively minor accident. However, it still counts as an accident. If the other driver wants to file a claim against your insurance policy, they can. This essentially means that once their claim goes through, you run the risk of having a higher insurance premium. If you happen to hit someone else’s car and damage is done to your own vehicle, you can also file a collision claim for your own vehicle. However, you will also have to have your vehicle’s damage assessed before receiving compensation.

Will comprehensive insurance coverage cover my side mirror?

The answer to this question really depends on how your side mirror was damaged. If you weren’t in your vehicle when the damage occurred, you are likely eligible to receive compensation through comprehensive insurance. However, if you were driving at the time your side mirror was damaged, you would not be eligible to receive compensation through comprehensive insurance coverage. This coverage also extends to hit and run situations. If someone vandalizes your car in any manner, then comprehensive insurance coverage is there for you. The whole point of comprehensive insurance coverage is cover you for accidents that are out of your control. No matter how much damage was done to your vehicle, if it was out of your control, you should be able to receive compensation.

Will my insurance premium increase after making a claim for my side mirror?

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Whether or not your insurance premium will increase after making a claim, really depends on the situation. If you got into a collision and were at fault, it is likely that your insurance premiums are going to increase. If, however, you were not driving at the time of your accident or the other driver was at fault for the accident, your insurance premiums will likely not increase. To put it simply, any claims done through comprehensive insurance are likely not to increase your insurance premium. If you do a collision claim, your insurance premiums are likely to increase. If the other driver was entirely at fault, you can expect your insurance rates to also say the same.

To Conclude

No one wants to get into an accident. It can be extremely annoying when something as small as your side mirror gets damaged. Unfortunately, it is not always worth putting damage like this through insurance. Your deductible could easily cost more money than what the repairs are worth. If this is the case, you will be not only paying a higher premium every month, you will also be losing money on your claim. It is definitely important to make sure that you assess all the damage before making any kind of a claim. Especially, when it is something a small as your side mirror being damaged.

Resources:

https://www.thebalance.com/how-is-side-mirror-damage-handled-527118