Can I claim insurance if I accidentally scrape off the side mirror?
2 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.
