How to Claim Insurance for a Broken Rearview Mirror?
4 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.
Reporting a broken side mirror to insurance is straightforward. I once filed a claim via mobile app after backing into a pole. After confirming coverage, I uploaded photos of the damage and vehicle details. The insurer emailed repair procedures - just pick their partnered workshop. Tip: include license plate in photos to prevent fraud. Always inspect mirrors pre-drive; if damaged enroute, drive slowly using the center rearview mirror temporarily. Remember to document accident details like time/location when filing claims.
After parking safely, check the rearview mirror for damage. If it's due to an accident, insurance usually covers the report. Contact the insurance company by phone to describe the situation and provide photos. They will send an adjuster or request a repair quote for reimbursement. Driving without a rearview mirror is dangerous—reduce speed. File the insurance report as soon as possible to prevent loopholes. During maintenance, pay attention to the mirror's condition to avoid damage.
