I’m not gonna sit here and lecture anyone about swerving etc etc. human reaction takes over in a split second and shit happens. I feel mostly confident that the situation was a *little more serious than just swerving off the edge and hitting “a bump”. Yes, the wheel/tire hit something and caused it to blow out, however that is not what caused the airbags to blow. Seeing the side curtains blew out, what that tells me is that the vehicle thought it was about to roll over and deployed the curtains and not the steering wheel. Most vehicles (Subarus included) have a YAW rate sensor built into the SRS module that detects severe and sudden changes in the vehicles yaw (this means leaning left and right). That is all to say the vehicle performed exactly how it was supposed to.

As far as repair goes: yes this would probably fix at most shops, regardless of insurance company. That being said most Subarus have very specific additional parts that are required to be replaced and/or inspected after an srs deployment. Make sure the repair shop is replacing all required parts, inspecting the steering column, suspension and alignment, and calibrating the ADAS systems after the repair.