The question of whether deployed airbags automatically total a car is a common one, and the answer is: not necessarily. While deployed airbags significantly impact a vehicle's value and often lead to it being deemed a total loss, it's not an automatic declaration. Several factors determine the final outcome.
What Factors Determine if a Car is Totaled After Airbag Deployment?
The decision to total a car after airbag deployment rests primarily on the cost of repairs compared to the vehicle's pre-accident value. Insurance companies use a formula that takes into account:
- Repair Costs: The price to replace the airbags, repair any damage caused by the deployment (including damage to the steering wheel, dashboard, seatbelts, etc.), and address other accident-related damage. These costs can quickly escalate.
- Pre-Accident Value: The market value of the car before the accident. This value is determined using various resources like Kelley Blue Book (KBB) or Edmunds.
- Salvage Value: The value of the car after the accident, even with the damage. This is often quite low after an airbag deployment.
If the cost of repairs (including the airbags, and all other damages) plus the salvage value exceeds a certain percentage (usually 70-80%) of the pre-accident value, the insurance company will likely declare the car a total loss. This percentage can vary based on the insurance company's policies and state regulations.
What Happens When Airbags Deploy?
It's crucial to understand what happens when airbags deploy to fully grasp the extent of the potential damage:
- Airbag Module Damage: The airbag module itself is often destroyed and needs replacing. This is a costly component.
- Dashboard and Steering Wheel Damage: Airbag deployment can cause significant damage to the dashboard and steering wheel, requiring costly replacements or repairs.
- Seatbelt Damage: Seatbelts frequently sustain damage during an airbag deployment.
- Other Structural Damage: The impact that caused the airbags to deploy often results in additional damage to the vehicle's structure, requiring further repairs.
All these repair costs are factored into the equation determining whether the car will be totaled.
Does the Severity of the Accident Matter?
Yes, absolutely. While airbag deployment often indicates a significant impact, the severity of the accident significantly influences the overall damage. A minor fender bender that triggers an airbag due to a sensitive sensor may result in significantly lower repair costs than a high-speed collision that causes widespread damage beyond just airbag deployment.
Can I Repair a Car with Deployed Airbags Myself?
No. Repairing a vehicle with deployed airbags is extremely complex and dangerous. It requires specialized tools, knowledge of vehicle safety systems, and access to original equipment manufacturer (OEM) parts. Attempting DIY repairs is not only unsafe but could also void any insurance claims. Always seek professional repair from a certified mechanic.
What if the Insurance Company Says My Car is Totaled?
If your insurance company declares your car totaled, you are usually entitled to receive the pre-accident actual cash value (ACV) of your vehicle, minus your deductible. You'll then need to decide whether to accept the settlement and sell the salvage to the insurance company, or try to negotiate a higher settlement.
In conclusion, while deployed airbags significantly increase the likelihood of a car being totaled, it's not a guaranteed outcome. The financial equation of repair costs versus pre-accident value ultimately determines the final decision made by the insurance company. Remember to consult with your insurance provider and a qualified mechanic for a thorough assessment of the damage and the best course of action.
