Does car insurance cover a broken side mirror?

Car insurance does cover a broken side mirror, but only in specific scenarios and with certain types of coverage. Broken mirrors generally can't be fixed; they must be replaced instead, which means ordering a whole new part. If you have issues with a broken side mirror, car insurance quotes with affordable prices are available.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 15, 2021

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The Highlights

  • Comprehensive car insurance will cover a broken side mirror in certain circumstances, such as getting sideswiped by another car while parked
  • If you are at fault for breaking your mirror while driving, then collision insurance will cover it instead
  • Since it is usually impossible to fix a broken mirror, it has to be replaced, which means finding the right replacement part
  • Replacement side mirrors can cost between $35 – $90 and may be significantly more with parts and labor

Insurance policies allow clients to receive financial reimbursement against losses, but does auto insurance cover a broken side mirror? It all depends on the specific type of insurance.

Comprehensive insurance, which is full auto insurance coverage, can cover a broken mirror in certain scenarios. It’s worth considering comprehensive insurance when it comes time to compare car insurance coverage.

If your side mirror was broken when you were not driving, comprehensive insurance would cover the damages. This could have been caused by flying debris or getting sideswiped by another car while parked.

If you are the one who damaged the mirror while driving, collision insurance will cover it instead. This would include accidents with another car or damage to the mirror caused by running into a pole or other stationary object.

To find car insurance for broken side mirrors or any other car issues, enter your ZIP code into the box above. Compare quotes from different insurers and select one that fits you best.

Where can I get my car side mirror fixed?

To get your car side mirror replaced, you will want to find a reputable auto body shop.

It’s usually impossible to repair a broken side mirror, so instead, it will need to be replaced, which means getting a whole new replacement part and having it installed.

Many car side mirrors have mirror casing painted the same color as the rest of the car.

The replacement part may not be that color, so unless you want it to stick out, you will need to find your car’s paint color as well. You will have to paint the mirror yourself or pay someone else to do it.

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What is the cost to repair a side mirror?

If you currently have a broken side mirror and your insurance won’t cover it, then you will have to pay for a replacement part out of pocket.

For example, liability insurance only covers damage to other vehicles if you cause an accident. It won’t cover your broken side mirror.

The cost of replacing a side mirror can vary drastically depending on the car. Getting the replacement part can cost anywhere from $35 to $90. If you aren’t installing it yourself, parts and labor will cost from under $200 to over $300.

Replacing a broken side mirror can be pricey. If you want your car insurance to cover it, you will still need to consider paying the deductible.

This also might cause your rates to increase, so you must consider carefully whether it’s worth it to even make a claim.

If there is more damage to your car than just the mirror, then yes, it is likely worth it to make a claim. With just mirror damage, you have a choice to make.

If you were not at fault, you might be able to get the mirror fixed without having to pay the deductible anyway.

As always, it is best to check with your insurance company to determine what is covered before you decide on your course of action.

Are side mirrors covered under warranty?

Side mirrors can be covered by a warranty, but a factory warranty only covers defects in manufacturing.

If the car side mirror is damaged because of something like a collision or vandalism, the warranty likely won’t cover a replacement part.

However, if the mirror were to fall off and break due to not being installed properly, for instance, then the warranty would cover the cost of getting a new mirror.

If you have an issue with a broken side mirror, car insurance quotes are available. Enter your ZIP code into our free comparison tool below to find the right insurance for you.

Are you looking for free insurance quotes?

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