Does insurance cover broken tail lights?
If your head or tail lights were damaged in a collision and you have collision insurance. you can rest assured that your policy will probably cover the repairs.
But there’s a caveat: the damage would have to have occurred as a result of an accident where you were not at fault. If your headlights and tail lights were damaged in any other way, you’d be out of luck.
Is filing a claim worth it?
Even if your existing insurance policy will cover damage to your headlights and tail lights, you might want to think twice before you file a claim.
If the cost of repairs is lower than your deductible, there’s no point in making a claim. Review your deductible before claiming for headlight or tail light damage.
Even if your deductible is slightly lower than the cost of repairs, you’re likely to get strapped with a higher premium for making a claim—so it might not be worth it in the long run.
That said, it’s not uncommon for incidents that cause damage to your headlights or tail lights to also cause damage to other parts of the car. If this is the case, filing a claim is often a good idea.
Having the right type of insurance in place will increase the chances that you’ll have coverage when you need it.
How much does a tail light cost?
If you don't have insurance, replacing a tail light cover can be pricey. It depends on your car, but you could be paying up to $700. If you have solid, comprehensive insurance, though, that cost could be lower.
Are tail lights covered under my warranty?
It depends on how comprehensive your warranty is! Most new car warranties last at least 12 months, so you will probably be covered if you're driving a new car. If you're beyond that period, check in with your insurer to see what kind of coverage you have.
Getting insurance for headlights and tail lights