Question
Will my rate go up if I file a claim for a damaged side mirror?
I was parked in my garage at work and someone hit my side mirror. Only the glass is broken. Will my insurance rates go up for this claim? I have a BMW.
Answer
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
A side mirror claim can increase your insurance rate
Put simply, any time you file a claim, there is usually a rate increase. Since you don't know who it is that hit you, you would have to go through your coverage. Glass claims fall under a comprehensive claim, which tends to be small. However, even small claims can lead to a rate increase.
I recommend getting an estimate for the new side mirror before filing a claim. Furthermore, unless you have specific glass coverage (which would give you a lower deductible), the value of damage must exceed your deductible before insurance provides compensation. A side mirror claim might not exceed a standard comprehensive deductible.
This decision is ultimately yours. Best of luck, and if you have any questions don't hesitate to ask.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.
