Can I claim insurance if I accidentally scrape off the side mirror?
4 Answers
If the side mirror is scraped off and the responsibility lies with the car owner, it falls under the coverage of the vehicle damage insurance. If the owner has purchased vehicle damage insurance, the insurance company is responsible for the claim. However, if it is the fault of the other party's vehicle, it falls under the coverage of compulsory traffic insurance and third-party liability insurance. As long as the vehicle is insured, the insurance company must compensate. Additional information: Notes: Vehicle damage insurance covers repairs when the accident responsibility lies with the car owner. If absolute deductible was not purchased when buying vehicle damage insurance, a full claim can be obtained. If an absolute deductible (5%, 10%, 15%, 20%) was purchased, the corresponding deductible responsibility must be borne. Required documents: When filing an insurance claim for a vehicle accident, the driver's license, the insurance policy, and the insured's ID card must be presented. Most repair shops have direct compensation agreements with insurance companies, so the owner can drive directly to the insurance company's designated assessment point.
I once accidentally scraped off my side mirror while driving too. Initially thought insurance would cover it, but found out it's not that straightforward. It depends on your policy type - comprehensive coverage might handle such self-inflicted damage, but basic insurance usually won't. Also, insurers typically require you to pay a deductible first. From my experience, fixing a mirror costs a few hundred bucks - not worth claiming if your deductible is higher. What's worse, filing a claim could raise next year's premium. I ended up paying out-of-pocket to avoid hassle. My advice: take photos for documentation, call your insurer for details before deciding whether to claim. Weigh repair costs against potential long-term impacts on your record. And always stay alert while driving to prevent such careless mistakes.
As a frequent driver, I think it's important to approach insurance matters rationally. There are several types of auto insurance, and comprehensive coverage might cover self-inflicted damage, but it must comply with policy terms, such as whether the accident was unintentional. That time when I scraped off my side mirror, I estimated the repair cost to be around 500 to 1000 yuan. Comparing it with the deductible, if it exceeded 800 yuan, I'd be at a loss. Moreover, after filing a claim, your record will show it, and your next premium might increase by 10% to 20%. A better approach is to get quotes from repair shops directly to see if paying out of pocket is more worthwhile. Don't forget to confirm that the accident didn't involve others or public facilities, otherwise liability insurance might not be applicable. In short, don't blindly rely on insurance—assess the costs first.
When I first got my driver's license, I was inexperienced and ended up scratching my side mirror. I panicked at the time. Now I know a bit more: whether insurance will cover it depends on your policy details. In most cases, comprehensive insurance can cover self-inflicted damage, but you'll need to submit an accident report. The process is simple: take photos for evidence and call your insurance company to verify. I tried it once, but ended up having to pay the deductible myself. Fixing a side mirror can cost a few hundred bucks at the cheaper end, and skipping the insurance claim saves you the hassle. New drivers, remember not to delay—handle it promptly to avoid affecting driving safety, like having trouble reversing with a broken mirror. Learn from me: practice parking skills more to prevent accidents.
