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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.

Jun 18, 2019 Houston, TX

Answer
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Ross Martin

Manager, Content Quality

Credentials
  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

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 own 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 prior to 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 prior to insurance providing 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.

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