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The impact of a recall on your car insurance rate

On Behalf of | Mar 8, 2023 | car accidents |

If a serious defect is discovered in a vehicle, it will likely be recalled by the manufacturer. Serious defects may include a problem with an air bag sensor or an inability for the car to remain in park after it is shut off. In the event that your car is part of a recall, all you need to do is take it to a Minnesota dealership for repairs.

The manufacturer pays for the repair

The manufacturer is responsible for ensuring that it provides a safe product to those who use it. Therefore, it is liable for fixing any defects that occur at any point during the manufacturing process. In some cases, a recall may actually be less expensive than dealing with lawsuits from individuals who incurred financial losses from using a defective product. An exception may be made if you fail to have a repair made within a reasonable amount of time.

Your insurance rate shouldn’t change

As there is no need to pay for the repair, there is no need to get your insurance company involved before or after it is made. As there is no need to file a claim, it is unlikely that your premium will go up. Furthermore, you may reduce the risk of getting into an accident that might result in filing a claim. Ultimately, having a repair made in a timely manner is worthwhile regardless of who pays for it or if it results in a temporary adjustment to your insurance rates.

Driving a defective vehicle is generally considered to be an example of operator negligence. If you are involved in an accident involving a car that had a defect that its owner should have known about, you may be entitled to compensation from that individual.


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