Airbag Replacement: What is Covered Under Insurance?

Airbags are a safety feature that is standard in most vehicles. If you have been in an accident and your airbag deployed, then it is important to know what the insurance company will cover for repairs. In this blog post, we will discuss the coverage of an airbag replacement- from how much work needs to be done on the car to whether or not collision damage is covered.

With a standard airbag, the insurance deductible is $200 and it can be installed in about 30 minutes.

How Much does it Cost to Replace an Airbag?

The cost of an airbag replacement depends on a number of factors. First, you will need to consider the type and age of your car. If it is old or if you have had some bodywork done that might change the shape or make-up of your vehicle then this could cause the price to go up significantly as more parts may need to be replaced. The cost will also depend on the make and model of your vehicle, as they vary greatly in price. Finally, you’ll need to consider if you want a standard replacement or an upgrade that has more features than just airbags for safety purposes.

However, in most cases with newer vehicles, you would pay around $600 to have this safeguard repaired or replaced – whereas older cars can vary greatly from upwards of $1000.

What if I Had Collision Damage?

If you have collision damage and the airbag deployed then it is not covered under your insurance. Airbags are considered a safety feature in most vehicles, so they are only meant to help if there has been an accident where another vehicle was involved. If this is the case, then you will need to take into consideration how much money that might cost for repairs before deciding whether or not getting replacement parts would be worth it. One thing we recommend doing beforehand (if possible) is calling up your insurance company and asking them directly what their policies on these types of situations are as different insurers may handle things differently.

However, all three companies- Travelers Insurance Company, Allstate Insurance Company and Geico- have a $200 deductible which you will need to pay before they cover any damages.

Does Auto Insurance Cover Airbag Replacement?

Yes, in most cases your car insurance will cover this. However, there are some exceptions where they won’t and you’ll need to contact them directly about their policies on the matter before making a decision one way or another.

What if I Used My Airbag?

If you have an airbag that deployed from normal use then it is not covered unless it was triggered by collision damage (and even then only up to $200). Common reasons for triggering these include; having a heavy object fall onto the car seat next to the bag while driving down the street, leaving something too close to the door when closing it which causes debris being thrown towards the area of deployment- like luggage hanging out of open windows that can’t be closed.

If it was triggered by collision damage, then the deductible is not applied and you will need to pay only $200 for a standard replacement or upgrade- which is also made clear in the terms of your insurance policy when they’re asked about these types of situations.

Is it legal to replace airbags?

Airbag replacement by a layperson is illegal.

As mentioned before, some insurance companies may offer to cover the cost up to a $200 deductible. It wouldn’t be your fault that they denied coverage, but it would make sense to call and ask them ahead of time if they would have any issues in regards to an airbag replacement- since they might be able to answer your question right away on their end.

Unfortunately, it’s not legal for anyone who is not certified in automotive work or someone qualified under the manufacturer’s warranty to replace an airbag- even if you’re doing it yourself as a DIY project. This includes going online and buying parts; some people order these by using their vehicle identification number (VIN) which isn’t legal and not recommended.

How Long Does it Take to Replace Airbag?

The time for replacement will depend on the make and model of your vehicle, as well as options you may have with a standard airbag or an upgrade that has more features like sensors- which can increase the price significantly. Replacing these at a certified dealership should take around 30 minutes in most cases; however, some cars might require special tools or knowledge so this could add to the time needed for complete installation depending on what’s required when doing this specific type of work.

Can you drive a car without airbags?

It is illegal to be driving without airbags.

A car needs a standard driver’s side front airbag, and the passenger-side airbag in certain models is optional (not required). For example, if you have an older model Ford sedan or Mercury Cougar then the passenger-side front airbag will not be present. On both of these models, only the driver’s side has an airbag for frontal-impact protection. But most vehicles on the market today will require two frontal vehicle safety precautions from drivers–a driver seat position sensor and a passenger Knee Airbag Sensor–though they’re installed by automakers rather than by motorists or mechanics because the equipment at common service stations does not meet requirements set out by National Highway Traffic Safety Administration (NHTSA) or the Society of Automotive Engineers (SAE).

Can you sell a car with blown airbags?

In most cases, it’s legal to sell a car with blown airbags.

One of the most recognizable signs that an airbag might be deployed is a small hole at the base where the steering wheel is (i.e., by driver’s knees). This usually indicates that there was an impact somewhere inside the vehicle; however, in rare cases, this could mean that someone fired a gun—though not likely if there are no other bullet holes or this was one of two airbags in the front seat only. With any doubts, we recommend checking with your dealer who will have access to records on what happened to your vehicle during servicing and repair work.

What happens if you crash a car without airbags?

Crashing a car without airbags could kill you.

If you were in a collision without airbags, your body will be thrown forward with the force of the crash and come into contact with the steering wheel or dashboard. This can have deadly consequences; like broken ribs or internal bleeding from injuries sustained due to lack of chest protection- which is what an airbag does when deployed.

The vehicle could be totaled, and even if it’s not a total loss, there will likely not only be an extensive cost for restoring items like airbags but also the sheet metal and paintwork that will have to go in order to make it functional again.

Airbag Replacement Costs:

The average cost to replace an airbag is $600-$800. This will depend on the make and model of your vehicle, as well as options you may have with a standard airbag or an upgrade that has more features like sensors- which can increase the price significantly. Replacing these at a certified dealership should take around 30 minutes in most cases; however, some cars might require special tools or knowledge so this could add to the time needed for complete installation depending on what’s required when doing this specific type of work. The costs for any upgraded parts are not included.

There are some circumstances that could increase this cost, such as if there was a fire and the airbag had been deployed. It might also be higher for an older model car with different hardware specifications than what’s on newer models (i.e., a 1997 Ford Taurus would require more work because it has only one frontal airbag while cars today have two–one driver side, one passenger) so not all costs can be quantified by general estimates of $600-$800.

Final Thoughts

In a car accident, you may be wondering whether the insurance company will cover airbag replacement. The type of vehicle and how old it is can factor into the cost, as well as what kind of features you want in your new airbag. If there was collision damage involved with an airbag deployment then most likely they won’t – unless it’s up to $200 deductible for standard replacements or upgrades (which might depend on your policy).

These are some important things to consider before making any decisions about if getting one repaired would be worth it- which is why we recommend calling them beforehand and asking their policies on these types of situations so that you know exactly what to expect when filing a claim.

The cost to replace your car’s airbag can vary depending on the make and model of vehicle, as well as any upgraded features. The average price is $600-$800 but could be more if there was a fire or an older model with different hardware specifications than newer models. To find out what it will take for your specific situation, contact a certified dealership to give you a quote.

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