Auto insurance, air bags

[Bear Chow]

Anyone familiar with auto insurance. Before I call my agent to confirm if I can get coverage. I am looking at an 05 toyota tundra that had both airbags deployed. I heard they automatically total a vehicle when this happens, but I don't know. Seller claims he has a clean ohio title (not salvage). Hood and front clip were replaced but you can definityl see where the impact was. Due to the narrowness of the damage I'ld say he hit a post, like a backetball post.

Can a car be insured if both airbags were deployed, is it true it was supposed to be totalled?


Paul

[94Dodge Truggy]

Not true at all! They do need to be installed by someone certified I believe.

[Flxratd]

Originally Posted by Bear Chow

Anyone familiar with auto insurance. Before I call my agent to confirm if I can get coverage. I am looking at an 05 toyota tundra that had both airbags deployed. I heard they automatically total a vehicle when this happens, but I don't know. Seller claims he has a clean ohio title (not salvage). Hood and front clip were replaced but you can definityl see where the impact was. Due to the narrowness of the damage I'ld say he hit a post, like a backetball post.

Can a car be insured if both airbags were deployed, is it true it was supposed to be totalled?


Paul

make sure what all has to be replaced because on hondas the control unit and sometimes seat belts need to be replaced also gets very costly very quick

[blazerbrad]

I am not aware of any reason why a car would be automatically considered totalled if both airbags were deployed. They are pretty pricey to replace so I'm sure that a lot of cars who had both bags deployed have enough other damage where they reach the repair cost vs. totalled cost figure.

If the truck has a clean title then there is no way for the insurance company to know this anyway.

[Bear Chow]

Thanks, It just didn't sound right to me ether. If I buy it, I'm not planning on fixing the airbags, so I am going to make sure my insurance agent will still cover me and the vehicle.

[tinbeater]

I have put alot of airbags in over my 25 years of working in a dealership body shop. Some total because of the cost. Check the shoulder belts and make sure they arent fired.
You can ussually buy used one cheap since insurance companys wont replace deployed one with used. If you do replace them you will propably have to have it scanned to have the airbag light turned off.

[blazerbrad]

Originally Posted by Bear Chow

Thanks, It just didn't sound right to me ether. If I buy it, I'm not planning on fixing the airbags, so I am going to make sure my insurance agent will still cover me and the vehicle.

If you didn't say anything about the airbags I'm sure they would simply write a policy on it, though there might be an issue if you ever had an accident in which you were hurt. I'm no insurance expert but I could see a company disputing paying any medical coverage after an accident if the report came out that the airbags were non-existent????

[Bear Chow]

I would never, not disclose that. I do too many stupid things to not carry adaquate insurance.

[77goldeneagle]

Originally Posted by blazerbrad

If you didn't say anything about the airbags I'm sure they would simply write a policy on it, though there might be an issue if you ever had an accident in which you were hurt. I'm no insurance expert but I could see a company disputing paying any medical coverage after an accident if the report came out that the airbags were non-existent????

My sister had an issue with a car she had bought that was wrecked and repaired..........the guy had never replaced the blown bags......The court said it was an issue of liability to other passengers and the previous owner was ordered to either replace the bags or buy back the car...........