Don't let this happen to you!
To find out about recalls on your vehicle click here.
To make sure you get notified call your manufacturer and give them you vehicle identification number and address so that you can be notified.
If you suffer a loss as a result of a recall and feel you are owed more than what your insurance company is offering, you can file an additional claim against the manufacturer. You'd have to prove losses associated with the claim. For example, rental car, additional amounts owing on a vehicle loan etc.
If you learn about a recall on your vehicle take it to a dealer. If they refuse to fix it, report them to the manufacturer. You have to protect yourself.