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I know it's 99% collision but I'm still curious. Guy is driving car & brushes against an overhanging tree limb that takes off his mirror? Collision right?
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No different then being struck by road debris or hitting a big pothole. It is a collision claim.
I've had similar claims run $3000+ so I would probably price the mirror before I said not to file a claim. Some mirrors have a tremendous amount of electronics in them for detectors, lights, whatever.
Dan