Ask an Agent
Have a question? We're here to help.
Ask an agent for free
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
Author profile picture

Ross Martin

Insurance Writer

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Credentials
  • 5+ years in the Insurance Industry

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.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

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.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

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.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

If I backed into another person's car (which was sitting in their driveway), should I file a claim if repairs are estimated to be $2,500?

Hello, Since there is no damage to your vehicle, you would not need to file a claim. However, the person that you hit has the option to file a claim. You can offer to pay for the damages out of pocket to avoid the accident going on your record. Ultimately, it is up to the other party as to whether …
Jul 17, 2019 Chicago, IL

Am I covered while I'm moving to a new state?

I'm so sorry to hear about your accident during such a transitional and inconvenient time! I would contact your insurance company in Oregon and talk to the claims department to see if this will be covered. Many companies provide a grace period for you to obtain other insurance while you are mo…
Jul 22, 2022 Atlanta, GA

At-fault driver gave me the wrong information

I would contact the police with what info you have. If you have the plate they should be able to locate the owner and either pull his insurance info or track them down to get it again. Also you could check with the insurance company if just the policy number is wrong the company you are filing a cl…
Apr 9, 2018 Dallas, Texas

Does USAA membership extend to grandchildren?

From my understanding, your parent's would also have to be members in order for you to qualify for a USAA membership. Typically only children or spouses of USAA members are eligible, but I'm unclear on if that can skip a generation. The best way to get the most accurate information would …
Jun 4, 2018 San Antonio, TX