According to Andrew Bartucci, director of external communications at Insurance Bureau in Canada (IBC) a recall won't impact your car insurance rate. This is because any faulty components affecting your car stems from the manufacturer, who is legally obliged to fix them.   Since recalls don't influence your risk level as a driver, your insurance provider won't penalize you by hiking your premium. When pricing their policies, car insurance companies may account for safety defects, so your premium may gradually rise. However, this is rare, only occurring in cases where a vehicle's recall has known long-term safety repercussions.  In the case that a driver ignores a recall, and it leads to an accident, the recall and the circumstance of the incident makes determining your fault a little less simple.   “A few different things could happen,” Bartucci says. “You could be considered at fault for a collision and have it on your insurance record, which could influence future premiums.”  If a recall renders your vehicle undrivable and you ignore it and eventually get into an accident, your claim could be denied due to negligence. Additionally, if the vehicle causes damage to someone else's property, such as a fire damaging a parking garage, you may be liable for the resulting damages.  Read more: How an at-fault collision impacts your car insurance rates