As if more than 6 million Toyota drivers didn’t have enough to worry about with dodgey floor mats, sticking accelerators, and potential brake problems on the Prius, many are now concerned that the recalls will affect their auto insurance rates.

Brian O’Connell at MainStreet counsels drivers to take a breath — they cannot lose their policies due to the recall and they are covered in the event of an accident.

Both State Farm and Allstate have issued statements specifically for Toyota drivers making it clear that the recalls will not lead to increased insurance rates, however, drivers will need to get their cars repaired and be able to produce proof that the work has been completed.

Moreover, if you are involved in a wreck, Toyota is more than likely going to be the one to foot the bill. (It’s always good for your rates when someone other than your insurance company is out the cost of damages.) Insurers are certain to go straight to Toyota to cover vehicle damage, but again, only if issues relative to recalls have been addressed.

If you drive a Toyota and don’t get the required repairs completed, you are likely to be held partially responsible for the bill. So even if it is inconvenient? Even if there seems to be nothing wrong with your Toyota? Get the repair.

In truth, Toyota drivers are likely to see their auto insurance rates decline in coming months, as the resale value on the vehicles drops in reaction to the negative publicity the company is enduring. According to research by Edmunds, cited in the MainStreet article, the resale value of recalled Toyotas fell between 4-8% over the past two weeks alone.

Bottom line, the recall has been frightening and for many just plain annoying, but it will no result in adverse insurance consequences for Toyota drivers — perhaps the only really good news to come out of the whole mess.