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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?"

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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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