Does Auto Insurance Cover a Broken Side Mirror?

Does auto insurance cover a broken side mirror? Usually, comprehensive insurance covers the side mirrors on your vehicle while liability insurance covers mirrors that you damaged. Learn more below.

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Sara Routhier, Managing Editor and Outreach Director, 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 overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

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 Cynthia Lanctot

UPDATED: Jun 10, 2022

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A Concise Overview:

  • Full coverage auto insurance generally covers broken side mirrors 
  • Liability coverage will usually cover costs if you hit another driver’s side mirror 
  • Sometimes insurance rates increase after replacing broken side-view mirrors 

While every motorist hopes to avoid car accidents and damages, accidents do happen. Unfortunately, some of the most commonly damaged parts of a car are the mirrors, leaving many drivers wondering if insurance covers the cost of replacing a side view mirror.

Driving without a side-view mirror can be dangerous and difficult. In some U.S. states and jurisdictions, driving without a functional side view mirror is illegal and may result in fines or other consequences. As such, any responsible driver will want to fix a broken mirror as soon as possible.

Under the right circumstances and with full coverage auto insurance, your car insurance company will cover the costs associated with damaged or broken side mirrors.

Does insurance cover the side view mirror?

If your side view mirror is damaged, you need to replace it as soon as possible. However, not all side mirror damage requires a replacement.

For example, a small crack does not require you to replace your mirror as long as you can see clearly and accurately. However, any damage that obstructs your view needs to be fixed quickly. Fortunately, some auto insurance companies and coverage plans will cover the costs of replacing a side view mirror.

Side view mirror coverage depends almost entirely on the type of insurance that you have. In short, comprehensive insurance, collision insurance, and liability car insurance may cover the costs of replacing a side view mirror, depending on circumstances outlined in each insurance policy.

Comprehensive insurance usually covers damages that ensue while you are not driving, for example, the costs of repairs from falling debris. Depending on your company and plan, comprehensive insurance may even cover damages from another vehicle hitting your car while it is on the street unattended.

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

On the other hand, liability car insurance only covers repairs needed for vehicles that are not your own. For example, liability auto coverage comes in handy when you are in a car accident that you caused. In the case of debris, a hit parked car, or other situations outside of your control, liability car insurance does not apply.

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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Does auto insurance cover a broken side mirror on a parked car? 

Your insurance will usually assist in hitting another driver’s parked car. If you hit a parked car’s mirror, you may follow the typical procedure. Find the owner of the vehicle you hit and provide your insurance information. If the owner is nowhere to be found, leave a note with your phone number and other contact information.

After you make contact with the owner of the vehicle you hit, contact your insurance company. Your insurance company will provide information on what you may owe and what your plan covers.

Does auto insurance cover a broken side mirror if another driver hits me? 

If another driver hits the mirror of your car while it is parked, a comprehensive insurance plan will cover the costs of your mirror and any other damages. If another driver hits the mirror of your car while you both are driving, then collision insurance will likely cover the costs of any damages.

Sometimes, drivers who hit your car and break your mirror will attempt to avoid responsibility. You may contact authorities and notify them of a side view mirror hit and run when this happens. Additionally, you may take the following steps:

  • Attempt to contact witnesses and take notes of their testimony
  • Take pictures, notes, and other documentation of damage and the area 
  • Contact your insurance company to notify them of the incident 
  • See if any nearby cameras filmed the event 

Taking these steps can ensure your car gets fixed properly and that your insurance rates don’t go up.

Determining Fault in Sideview Mirror Accidents 

Before you accuse a driver of hitting your mirror and causing enough damage necessary for a repair, make sure your mirror actually took damage. Mirrors can bend both ways. If your mirror is bent in a way that seems unusual to you, this does not necessarily mean that it is broken. Sometimes, it just needs to be moved back into its usual place.

If you know for certain your mirror broke, assess how the accident happened and why damages occurred. If another driver crossed into your lane of traffic and hit your side-view mirror while you were also driving, the driver who hit you is likely at fault. On the other hand, if you crossed over into another driver’s lane and hit their mirror, you will likely be to blame.

Whatever the case, contact your insurance company to find out what your auto insurance policy covers.

Does auto insurance cover a broken side mirror on a rental car? 

Whether insurance will cover a broken side-view mirror of a rental car depends on the rental agreement. In any case, you should respond by documenting and assessing the incident. Ensure that you and other parties are safe, take pictures of any damages, exchange contact information if any other drivers are involved, and take note of witness testimony.

After, you may contact your insurance company and the rental company for the next steps. Additionally, it is always a good idea to contact the local police department and have them write up a report on the incident.

Costs of Replacing Side View Mirrors 

The price of replacing a side-view mirror depends on your car’s model and manufacturer. To figure out the price of a new side-view mirror, you need to go to a mechanic to get an estimate.

Typically, average prices range anywhere from $50 to several hundred. CashCarBuyer reports that the average cost of replacing a broken side mirror falls between $120 and $350.

Based on your insurance company and coverage type, it may be cheaper for you to take care of the costs of a side view mirror by yourself rather than go through your insurance. If replacing the side view mirror will cost less than your deductible, it’s wise to handle it on your own. Not only will you save money, but you won’t have to worry about a rate increase.

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Using Auto Insurance To Cover a Sideview Mirror 

Typically, investing in full coverage plans or comprehensive auto insurance is the best way to ensure your insurance covers damaged mirrors on your own vehicle. Most liability insurance policies cover car mirrors if you are at fault. In short, whether your insurance covers the side view mirror depends on your situation, insurance company, and insurance policy.

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