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Is deductible waived for side mirrors?


Question: Will auto insurance companies automatically cover repairs for mirrors in the same way they cover windshield replacement/repairs without utilizing a deductible? In this case, a driver-side view mirror.

Answer: No, mirrors (such as a driver side mirror) are not normally covered by the zero deductible that windshields are in some states.

In some states, the deductible for windshield repairs or replacements is waived or you may buy glass breakage insurance so that there is no deductible for windshield damages.

There are only a few states in the US that waive the deductible for windshield replacements or repairs as a part of comprehensive insurance. The states of Florida, Kentucky, Massachusetts and South Carolina waive the deductible and are referred to by some as zero deductible states with regards to windshield claims. Without needing to pay a deductible, you can call this a "free" windshield replacement.

In these states, your insurance company is required by law to repair or replace your windshield with no deductible charged—as long as you have comprehensive insurance on your vehicle. Florida and Massachusetts only fully cover windshields, but Kentucky and South Carolina cover all glass replacement with no deductible.

The Florida Statute 627.7288 (titled Comprehensive coverage; deductible not to apply to motor vehicle glass) says that the deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing Comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.

In Kentucky if you have a deductible for comprehensive coverage, that deductible does not apply to glass breakage in the windshield, doors or windows, or in the glass or other materials used on the lights in KY. It does not mention mirrors though.

You may buy full safety equipment coverage to pay to repair or replace the windshield, windows, mirrors, as well as the glass, plastic or other material used in the lights of the vehicle, without having to pay the comprehensive deductible. In addition, you may buy comprehensive coverage with different deductible amounts for each vehicle covered by your policy.

If your mirror has been cracked or broken so that it needs repaired or replaced than you should make a claim through the comprehensive portion of your auto insurance policy. You can always ask your insurance company if they ever waive the deductible for a mirror claim.


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