Vehicles are recalled all the time. The cause might be a minor issue or a serious safety problem, but the result is the same. The vehicle needs to be serviced for free by an authorized dealership. But although the repair is technically free, you might be wondering how an auto recall will affect your car insurance.
The good news is that, as long as you take care of the recall in a timely manner, your insurance policy will remain unchanged. Your insurer isn’t on the hook for repairs–that’s on the manufacturer who sent out a faulty vehicle. Even in the event of a serious safety recall, such as the one involving Takata airbags, insurance should not be a factor in seeking repairs.
However, there’s a catch. If you receive a recall notice from an automaker and knowingly ignore it, there may be consequences. Insurance rates are determined, in part, by the vehicle’s safety rating.
A vehicle with an outstanding recall might be considered less safe–and therefore more expensive to insure. In addition, if you get into an accident or attempt to file a claim after ignoring a recall, you may find yourself paying a lot more than you expected.