The funny part of this, is going to the insurance company to get a mirror on an AE101 fixed.
I wouldn't even bother $$% around with the claim/excess/whatever. Just find the bits on a wreck and fix it in a couple of hours or so.
For an especially hard to find, or expensive repair sure I guess it's worth the effort.
You could have fixed it in the time you've wasted whinging about it on Toyspeed