Your car is totaled, congrats
If you haven't filed a claim, your insurance shouldn't go up.
And if your insurance doesn't total it, you need a new insurance company, because airbags out means totaled to me!
If YOU decide to pay for it out of pocket, you can get stitching out in that will rebreak open if the airbags come out again (any upholsterer worth his weight in air should be able to do that) and the track guys should have airbags for cheap.
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