Does auto insurance cover a broken side mirror?

Auto insurance covers a broken side mirror but only if you have full coverage. Comprehensive insurance will pay for damages that happen like debris hitting your mirror or someone sideswiping it while your car is parked. Collision insurance covers damages caused by an accident. On average, full coverage car insurance costs $79/mo or $950 annually.

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Sara Routhier, Director of Outreach and Managing Editor of Features, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overw...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 2, 2021

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A Concise Overview:

  • Full coverage auto insurance covers a broken side mirror.
  • If you’re the one who hit someone else’s side mirror, your liability coverage should cover it.
  • You’ll still have to pay your deductible, and your rates might increase, so it’s important to calculate whether it’s worth it to make a claim.

Does car insurance cover a broken side mirror?

Your auto insurance should cover damage to your broken mirror if you have full coverage. Comprehensive insurance will cover damages caused while you’re not driving, such as debris hitting it or another vehicle sideswiping it while it’s parked on the street.

If your mirror was damaged in an accident, collision insurance should be there to help cover it.

Make sure you have the right insurance to cover damages to your mirrors and the rest of your car. Enter your ZIP code to get FREE quotes from multiple insurers.

Does auto insurance cover a broken side mirror?

Does insurance cover a side-view mirror that’s broken? If you have full coverage insurance that includes comprehensive and collision, you should be covered.

Comprehensive auto insurance covers damages that might happen when you’re not driving and not the cause. For instance, if debris damages your vehicle or if somebody sideswiped it while your vehicle is parked, that’s covered by comprehensive insurance.

On the other hand, if you’re the one who caused the damage, that’s covered by collision insurance. If you sideswiped a stationary object or if you caused an accident with another vehicle, that’s covered by collision insurance.

This table shows average auto insurance rates for each state.

Average Annual Auto Insurance Rates by State and Coverage Type
StatesAverage Annual Liability Coverage RatesAverage Annual Collision Coverage RatesAverage Annual Comprehensive Coverage RatesAverage Annual Full Coverage Coverage Rates
North Dakota$282.55$252.21$112.74$741.11
South Dakota$289.04$251.30$110.12$1,206.46
Iowa$293.34$251.46$230.65$819.14
Wyoming$323.38$270.48$222.86$816.71
Maine$333.92$331.72$146.77$1,077.97
Idaho$337.17$284.92$117.98$833.44
Vermont$340.98$278.38$118.31$737.67
Kansas$342.33$255.33$130.15$904.39
Nebraska$349.07$293.78$116.79$1,057.63
North Carolina$357.59$227.44$227.64$737.63
Wisconsin$359.84$209.93$126.34$696.11
Indiana$372.44$207.10$171.58$672.01
Alabama$372.57$299.10$146.28$817.95
Ohio$376.16$298.21$201.56$941.34
Arkansas$381.14$304.87$183.36$869.37
Montana$387.77$223.50$206.24$778.81
New Hampshire$393.24$365.23$123.18$1,353.96
Tennessee$397.73$290.39$135.62$823.74
Missouri$399.41$254.90$199.87$842.54
Virginia$413.12$264.70$129.89$807.71
Illinois$430.54$237.19$115.02$724.65
Mississippi$437.38$259.65$166.34$825.40
Minnesota$439.58$302.96$194.74$935.08
Oklahoma$441.57$212.47$89.66$855.57
Hawaii$458.49$209.00$110.78$656.95
New Mexico$462.21$358.45$156.66$1,300.09
California$462.95$364.56$99.29$926.79
Utah$471.26$254.41$106.57$832.24
Colorado$477.10$263.36$158.34$898.79
Arizona$488.59$259.31$184.20$932.10
Georgia$490.64$297.75$100.09$856.33
Pennsylvania$495.02$377.06$122.17$1,219.29
South Carolina$497.50$200.10$228.59$717.73
Texas$498.44$340.51$186.70$1,025.64
West Virginia$501.44$319.10$195.04$1,015.57
Kentucky$518.91$391.03$208.59$1,326.78
Alaska$547.34$360.18$141.08$1,048.60
Oregon$553.43$307.31$132.01$934.34
Washington$568.92$250.13$104.11$923.16
Massachusetts$587.75$383.21$147.02$1,252.27
Maryland$599.48$358.68$128.92$1,075.35
District of Columbia$628.09$449.27$230.25$1,307.62
Connecticut$633.95$348.70$126.02$1,108.67
Nevada$647.07$281.70$103.03$777.98
Rhode Island$720.06$247.62$165.38$910.51
Michigan$722.04$214.02$173.04$826.64
Louisiana$727.15$249.00$96.66$679.56
Delaware$776.50$296.60$113.23$1,186.33
New York$784.98$264.58$123.00$745.17
Florida$845.05$320.45$153.61$964.70
New Jersey$865.55$267.48$166.89$896.58
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This video from Erie Insurance touches on comprehensive and collision insurance and what the difference is.

If you only have liability car insurance, you’re on your own. Liability only covers damages to the other vehicle if you cause an accident.

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What do you do if you hit the mirror of a parked car?

What should you do if you clipped the mirror of a parked car?

If you’ve hit the mirror of a parked car, you should follow a similar procedure as when you cause any other type of automotive accident.

Try to find the owner of the vehicle. If the owner can’t be found, leave a note with your contact information. Then contact your insurance company.

What can I do if someone broke off my side mirror?

What if you have a side mirror hit and run?

  • Try to find witnesses
  • Take lots of photos of the damage and surrounding area
  • Contact the police
  • Call your insurance company to report the incident

You might also want to see if nearby buildings have camera footage of what happened.

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Frequently Asked Questions: Does auto insurance cover a broken side mirror?

Still have questions? Keep reading to learn more.

#1 – How much does it cost to replace a side mirror?

What is the cost to repair a side mirror? How do you fix a broken side mirror? Can you just replace the glass on a side mirror?

CashCarBuyer reports that the average cost to replace a broken side mirror is between $120 and $350.

#2 – What do you do if you get a broken side mirror on a rental car?

As with any automotive accident, you want to begin by assessing the situation and documenting what you can. That means make sure everybody is okay, taking photographs of the damage and surrounding area, and taking down the driver or witness information.

After that, contact your insurance company and the rental company as soon as you can.

#3 – If you clipped a wing mirror, who’s at fault?

If another driver crossed into your lane of traffic and clipped your wing mirror while you were both driving, they were at fault. They were driving recklessly.

The reverse is also true. If you’re the one who merged and clipped someone else’s mirror, you’re going to be found at fault for causing the accident.

#4 – Do wing mirrors bend both ways?

Indeed they do, so make sure you double-check that your broken side mirror isn’t just in the wrong position.

Make sure your auto insurance will cover damages to your car, including broken mirrors. Enter your ZIP code to get FREE quotes from multiple insurers.

References:

  1. https://www.cashcarsbuyer.com/changing-mirrors/

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