McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Yes, full coverage does cover broken side mirrors. Broken side mirrors are covered by either comprehensive insurance or collision insurance, both of which are main components of full coverage policies, depending on how the damage was caused. Comprehensive insurance covers broken side mirrors if it was caused by something like vandalism or a natural disaster, while collision insurance would cover it if it were the result of an at-fault accident.
Situations Where Full Coverage Covers Broken Side Mirrors
- Your side mirror is broken during an extreme weather event, such as a hailstorm.
- Someone vandalizes your car or your car is stolen and later returned with broken side mirrors
- You are at-fault for an accident where your side mirror is broken.
Remember that if the damage was not caused by a covered incident, it will not be covered. Neither collision nor comprehensive insurance will cover an accident in which you were not at fault. If the broken side mirrors were caused by another driver, their liability insurance would be responsible for covering the damage.
What To Do If Broken Side Mirrors Occurs
- File a police report as soon as possible if the damage was caused by another person or by a crash. If there were no other people involved, you may not need a police report to file a claim, such as if a tree falls on your vehicle.
- File a claim with your insurer under your comprehensive or collision insurance policy.
- Work with an insurance adjuster to finalize your claim.
Full coverage car insurance normally includes comprehensive and collision insurance and at least the minimum insurance coverage required by state law. Full coverage policies are designed to provide protection for car accidents and non-accident-related damage to ensure the policyholder is covered regardless of fault.
To learn more, check out WalletHub’s guide to full coverage car insurance.
People also ask
Did we answer your question?