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It’s easy to accidentally drive off your side mirror, especially on narrow roads. Find out what you can do if such a nuisance has happened to you in this home article.
Side mirror driven off: Report the damage
If you drive off the side mirror of another vehicle, you must not simply leave the scene of the accident. Otherwise you are committing hit and run.
- You can either wait for the owner of the car or inform the police about the damage straight away.
- They will then find the owner of the vehicle for you and you can then come to an agreement regarding the settlement of the damage.
- If your mirror has been driven off and the person responsible has not contacted you, file a complaint with the police against persons unknown.
Side mirror driven off:
Settlement with the motor vehicle liability
If you are the person responsible, first report the damage to your car insurance company so that no deadlines pass.
- If you are the party at fault, always request a cost estimate from the injured party.
- Then submit this to your insurance company and have them calculate how much your premium will increase if they cover the damage for you.
- In some cases, it may be cheaper if you pay for the repair out of your own pocket.
- If you are the injured party, you will be stuck with the costs if you only have motor vehicle liability and the person responsible for the damage could not be identified.
Side mirror driven off: Options with partially or fully comprehensive insurance
As the injured party with partially comprehensive insurance, you can recover part of the repair costs under certain conditions.
- In order for the partially comprehensive insurance to cover the damage, the glass of the wing mirror must first be broken.
- In addition, the entire mirror must be firmly attached to the glass. As it is only possible to replace the entire mirror, the partial casco will then step in.
- If you have a contract with an excess, you should check whether it will be cheaper to settle the damage yourself.
- Settlement via your fully comprehensive insurance usually makes sense if the person responsible for the accident is unknown and the bodywork has been damaged.
- The insurance company will then upgrade you and increase your excess if necessary.
- It is also worth comparing the repair costs with the higher insurance premiums and choosing the cheaper option.
