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Crash caused by a recalled part: who pays?
A short explainer on crashes caused by recalled or defective parts: why your own coverage usually pays first, how insurers seek repayment, and what records and parts to keep.
This short video is a summary of our explainer Crash Caused by a Recalled Part: Who Pays, Your Insurer or the Automaker?, which covers the details, the steps to take, and how auto insurance typically handles it.
Transcript
Crashed because of a recalled part? Here's who pays. Your own collision coverage usually pays first, minus your deductible. Then your insurer may seek repayment from the automaker. Check your VIN on NHTSA's recall lookup, and save the recall notice and repair records. Keep the failed part if you can. It may be key evidence in a defect claim. Fix open recalls for free at a dealer. Compare free quotes at autoinsurancebundle.pro.
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