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If someone damages your car side mirror that is usually not a major, but no doubt it is one of the life small annoyances that usually happen at the wrong time. When it does happen you should settle whether to file an insurance claim to get the damage coverage. It is not easy to file a claim as it requires several other factors to deal with. Who will pay for all the repair depend on who broke it and how he does so. If the mirror was broken due to your negligence or the mirror trimmed a bush as you reversed out of your driveway then you have to pay for all the damages.

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Your insurance company will pay the repair cost and if there was an accident with another vehicle and if you are having collision coverage on your policy at the time of the accident. Collision coverage makes you able to file a claim with your insurance company for any damage to the vehicle regardless of who was at fault. What happens when the Loss is someone else Fault?

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You may be in luck if the damage is someone else faulting. You should try to file a claim against another party’s insurance policy. Get a complete estimate of the repair and then the other party driver will cut you a check for covering the repair cost. If you possess collision coverage you can file a claim with your insurance company to get the all details with other driver's insurance companies you would be able to get the amount that is needed for repairing services and your insurance company will be very helpful to take care of making reimbursed.