Does insurance cover a broken tail light?

I was leaving a store and noticed my tail light was broken. I didn't hit anything, so I'm assuming someone hit my car. Will my insurance cover the damage?

Answer provided by
Emily Maracle
Answered on Jun 23, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“If you have collision insurance, your insurance company would normally cover a broken tail light. However, you’d still be responsible for paying your deductible.
Since the most popular full coverage deductibles to carry are $500 to $1,000, you’re likely able to repair your tail light for significantly less than your deductible.
If you have a $500 deductible and the damage is $100, your insurance wouldn’t cover the damage. If you do have a lower deductible, it may be worth submitting a claim.
Keep in mind that your insurance may raise your rates when you submit a claim.”

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