You are here:

Auto Insurance Claims/airbag deployment w/o accident

Advertisement


Question
2011 Vehicle, side air bags on both sides deployed as vehicle was leaving personal 300ft driveway. First start in the morning, moving 3-5mph. Disabled vehicle for a few minutes. Vehicle was towed, manufacture refuses to pay because third party (Raytheon??) found that vehicle shows it lost stability and caused airbags to deploy. Insurance states the comprehensive coverage doesn't cover mechanical breakdowns. Vehicle is currently at dealership for the past 43 days.Insurance company has decided to take another look at Raytheon findings. Can the insurance company deny all this?  There is full coverage on this vehicle and we are the original only owners of this vehicle.

Answer
I'm sorry you are caught in the midde here.  The issue is whether this was a mechanical breakdown or a loss as defined in the insurance policy.  On the surface, this sounds like a mechanical breakdown to me.  And insurance policies are not intended to cover mechanical breakdowns.  Airbags are not supposed to go off unless there is a collision.  Your description of what happened is pretty vague, but it does not sound like there was any collision.  If this is the case, in my opinion, this is a mechanical breakdown that the manufacturer should cover under warranty.  If it were me, I would be complaining non-stop to the vehicle manufacturer.  If this did not work, I would sue them in small claims court.

If there is more to the story than you shared, please let me know.

Auto Insurance Claims

All Answers


Answers by Expert:


Ask Experts

Volunteer


Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

©2016 About.com. All rights reserved.