I broke off my side mirror backing out of my garage


I tore off my driver's side mirror backing out of my garage. Is that covered by my car insurance policy?

You and my wife must have went to the same driving school! With households having larger vans, SUV's and pickup trucks, garage dimensions haven't changed with the size of the vehicles. I find myself parking my 2004 F-150 pickup at an angle so my wife can park her 2006 Honda Odyssey in the space available, and it's still tight getting the doors open without dinging the other vehicle.

Not only can it be difficult parking two full-size vehicles in a normal-size garage, but backing out of the garage takes extra caution to avoid tearing off the driver or passenger side rear-view mirrors. So if you happen to back out of the garage a little too quickly without making the required "swing around" to clear the garage door frame, you're left with a mirror dangling from the side of your vehicle only held on by the power mirror cord.

Enter Zip Code:

So is it covered by car insurance? If you have collision coverage on your car insurance policy, it is covered. However, depending on your chosen deductible, it may not be the best decision to file a claim for the incident. If you have a $500 deductible and the damage estimate is $650, filing a claim for $150 with your car insurance company could actually cost you more than $150 if your rates increase or you lose claim-free discounts on your next renewal.

So the short answer it yes, it's covered (if you have collision coverage), but it may be one of those accidents that you just want to suck it up and pay the bill out of your pocket. And you might also consider widening your garage or trading for a smaller vehicle!

More car insurance information

Readers of I broke off my side mirror backing out of my garage also found answers to the following car insurance questions.

Do I need car insurance if I don't own a car?

Does my car insurance cover car pooling?

Gap Coverage Car Insurance for Financed or Leased Vehicles

How much car insurance do I need?

Your teen's first car - beware of this insurance gap

Is theft covered by car insurance if I leave my keys in my car?

Does my car insurance cover a rental car?

Like this page?
Share with friends!
Blog Articles

Consumers Find How to Pay Less for Mercedes-Benz S420 Insurance

Drivers Discover Savings on Ford F350 Pickup Insurance

Tricks for Buying the Lowest BMW 530it Insurance Prices

Best 5 Ways to Save on Dodge Ram 1500 Van Insurance

Compare Auto Insurance Rates for a Ford Aerostar

Top Strategies to Lowering Your Mercedes-Benz 400SE Insurance Rates

Methods for Getting the Cheapest Mercedes-Benz Sprinter 3500 Insurance Prices

Best Ways to Cut Costs When Shopping For Cadillac SRX Insurance

Compare Car Insurance Rates
Car Insurance

Save MoneyChoose your state below to find the lowest car insurance rates!