The Takata Airbag Recall: Is My Rental Car Covered?

The Takata Airbag Recall Is My Rental Car CoveredRecently, the National Highway Traffic Safety Administration (NHTSA) more than doubled the size of the recalls on Takata airbags to 35-40 million vehicles. This figure is in addition to the 28.8 million airbags that have already been recalled.

The root cause of the problem, according to the NHTSA, is the absence of a chemical drying agent in the airbag’s inflator. This can cause the airbag to explode when in a crash, and can even send metal fragments throughout the passenger cabin, severely injuring or killing the occupants.

There have been 10 confirmed deaths and more than 100 injuries as a result of the defect, according to the NHTSA.

So far, 8,168,869 faulty airbags have been replaced between August 14, 2015 and April 22, 2016. The NHTSA is advising those with cars or trucks included on the list of affected vehicles to contact their dealer immediately about the appropriate repairs. Vehicles with this defect are unsafe to drive; however, replacement part shortages are creating repair delays that could last up to several months.

If your car is affected by the recall, and you are utilizing a rental car in the meantime, it’s important that you review the terms and conditions of your rental contract with an independent agent.

Is it written under the dealership, meaning the manufacturer will provide coverage for use of the temporary vehicle? Or is it written under your name, meaning the owner will be responsible for coverage through their primary auto policy. If the contract falls under the second scenario, will your insurance company consider the rental as a covered substitute vehicle under the policy?

For questions or concerns, contact the experts at McGrath Insurance Group at 508-347-6850 or visit For continuous updates on the Takata airbag recall, visit the NHTSA website

*This article is written for informational purposes only and should not be construed as providing legal advice.