Q45tech wrote:What does your insurance company say about not repairing your air bag, will they still cover you................I'll bet your policy rate shows an air bag discount - failure to repair is insurance fraud.
The air bag ecu stores all the FACTS good and bad and will be a witness against you in the next accident if someone gets injured.
Repair all the damage to return systems to functionality.
For fraud to exist, there has to be some level of intent to mislead for a gain. If the insurance company was not notified of the missing airbag at the time of application, the insurance company will rescind the policy if they feel the risk was not something they would have insured at that premium amount (usually with some amount of good faith cushion). If the policy was reinstated with no report of the accident to the company, they could deny a later claim (probably in part) based on not reporting the accident in a timely manner as it is required by the policy and if the lack of reporting would have changed coverage or the value of a claim somehow. It's highly unlikely that an insurance company will open themselves up to a bad faith lawsuit over an airbag by calling it fraud unless he tried to claim a previously deployed airbag against a later claim.
One rule you learn if you work in insurance claims. Insurance companies do cover stupidity.
It can affect a third party injury claim (claim against another driver's carrier) though, as you assume a responsibility by removing a safety system that might have prevented an injury that you received.