Quanz Auto Body is a preferred repair shop for many insurance companies, which means we handle a lot of repairs after accidents – and answer a lot of questions about the insurance process along the way. One thing that people are surprised to discover is that airbag deployment can often mean a car is considered a total loss, even if the damage otherwise doesn’t seem severe. However, a deployed airbag doesn’t always mean a total loss. It all depends on the situation.
What is a Total Loss?
First, it’s a good idea to confirm what it means to say that a car is “totaled.” A total loss is an insurance term for a situation where the cost to repair a car is higher than the actual cash value of the vehicle itself. In these cases, the insurance company reimburses you – the owner – the value of the car.
This is why air bag deployment often leads to a total loss. Air bags themselves cost upwards of $1,000 per airbag. If both frontal airbags deploy, the cost of their replacement along with the repairs to the body of the car can quickly exceed the actual cash value of an older vehicle.
So Now What?
If you’re repairing a newer vehicle, replacing the airbags and repairing the body damage may be the best choice. If the car is a little older, your insurance company may prefer to total out the car and settle for the actual cash value.
If you’ve been in a collision where airbags deployed, it’s best to bring your car to Quanz Auto Body for an estimate of total repair costs. This will help you to gauge whether your car will be worth repairing or not.