How to Claim Insurance for a Broken Rearview Mirror?
2 Answers
Basic auto insurance coverage includes passenger liability insurance, standalone glass breakage insurance, vehicle damage insurance, third-party liability insurance, theft insurance, etc. According to the Motor Vehicle Insurance Regulations, under the [Vehicle Damage Insurance] clause, the insurer is not liable for the following losses and expenses: 1. Natural wear and tear of the vehicle; 2. Standalone glass breakage, standalone rearview mirror damage, standalone headlight damage, standalone glass breakage, etc. Therefore, a broken rearview mirror cannot be claimed under insurance. Additional relevant information is as follows: Additional Coverage: Auto insurance also includes additional coverage (standalone glass breakage insurance), body scratch insurance, etc. The liability exclusion under the [Standalone Glass Breakage Insurance] related to rearview mirrors also states that the insurer is not liable for the breakage of rearview mirrors or headlight glass under standalone glass breakage insurance. The glass referred to in standalone glass breakage insurance includes window glass and windshield glass, but does not include rearview mirror glass or headlights. The insurance company will not be liable for compensation if the headlight or rearview mirror glass is broken or damaged during vehicle repairs.
If your rearview mirror is damaged, ensure you park safely before filing an insurance claim. Last time I accidentally hit and broke the mirror while reversing in the garage, and checking the insurance policy revealed comprehensive coverage for accidental damage. I called the insurance company to report the incident, describing the location and time, and sent clear photos. The claims adjuster later contacted me to guide me to a repair shop for cost assessment, and the reimbursement for most of the expenses was processed in less than a week. Remember to report promptly to avoid disputes. During daily driving, always be mindful of surrounding obstacles when reversing, and regularly check the mirror’s mounting condition to prevent accidents.
