Does your auto insurance extend coverage to an accident in a vehicle with recalled parts?

The short answer to the most asked question is "yes," you will be covered if you drive a recalled model and you're in an accident. The wrinkle is that your insurer likely will go after the vehicle's manufacturer to pay the damage if the wreck was caused by a recalled part.

What's the insurance industry's current position on covering drivers of recalled vehicles?

Auto insurers say if a recalled part causes an accident, your car's liability or collision insurance will cover you.

If insurance investigators determine a faulty accelerator caused the crash, the insurer will pay the claim and turn to the manufacturer for reimbursement. If the insurer gets paid by the manufacturer, customers may get all or part of their deductible returned.

Recalled parts in and of themselves do not raise premiums.  How often the particular vehicle make & model is involved in accidents, the cost to repair and vehicle's repair location are determinants in a vehicle's base premium rating.