Car Recalls And Auto Insurance – What You Need To Know

​If you have auto insurance, then there's no reason not to miss car recalls. Car recalls happen when consumers, industry experts, and automobile manufacturers have found manufacturing defects. These can be minor or major defects that can place consumers at risk. It's your duty as a car owner to be updated on all types of car recalls and alert your auto insurance company at once if your vehicle is part of a recall. 

Check The NHTSA Database for All Recalls
Don’t worry if you’re not updated with the latest recalls. The National Highway Traffic Safety Administration has a complete database of recalls. When you are at the NHTSA site, you will be asked to enter your VIN or vehicle identification number to search for any recalls related to your vehicle. 

Also called the chassis number, you can find the VIN on your car's dashboard, along with the driver-side door, and on your car's registration certificate. You can also follow or track recalls through the Safercar app.   

Save Your Receipts
It's important always to save receipts, registration certificates, and other documents related to your vehicle. If your car is a part of a recall, you may be eligible for reimbursement. It would help if you also referred to your receipts for the date of purchase and the dealership where you purchased your car. 

Contact Your Auto Insurance Company
As soon as you find out that you're part of a recall, contact your auto insurance company. Likely, your insurer is also aware of the recall, so check emails, snail mail, or their official website and social media site for instructions. 

Remember: Fixes Are Free Of Charge  
Although you need to take your car to the dealership because of a recall, and you won't be able to use your vehicle for a while, any fixes are usually free of charge. Usually, the car manufacturer will give instructions as to what you need to do. Ask your insurer if you can get a loaner vehicle while your car is out for repairs. 

Conclusion
Don’t wait until there’s a recall. If you’re certain that a problem with your vehicle is due to a manufacturer’s defect, document and report to your dealership. Make a video or take photos to document what has happened. Don’t wait until you’re on the road. Don’t place your family at risk. 

At Family Auto Insurance Agency, we put our clients first by offering them policies they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (313) 285-9042. You can also request a free quote by CLICKING HERE.