Hey all,
Had a minor incident today where another driver sideswiped me. No major damage — only the left side mirror cap got knocked off/broken.
The mirror itself works perfectly (adjustment, folding, signals — all fine). No other damage anywhere on the car.
I do have the other driver’s info and witnesses, and it’s pretty clear I’m not at fault.
Now trying to decide:
- Go through their insurance
- Or just fix it myself and move on
From what I’m seeing, the part (2022 Lexus NX, Green Pearl) is around $60–$100 OEM, maybe ~$150–$200 total installed.
My main concern:
I’d prefer to avoid any accident/claim showing up on my vehicle history if possible.
What would you do?
- Worth involving insurance for something this small?
- Any downside to just paying out of pocket and forgetting it?
- Anyone had something similar happen?
Appreciate the input 🙏
Minor sideswipe broke my mirror cap — worth going through insurance or just fix?
byu/LateOrbit inInsurance
Posted by LateOrbit
2 Comments
What is your deductible for a claim? If you have a $250 deductible you will get nothing except for a claim on your record.
The repair shop is more likely to report repairs than any insurance company.
I wouldn’t file a claim for damages that minor.