1995 Pontiac Bonneville electrical system problems

Airbag deployed while driving. Light came on and about 30 seconds later passenger bag went off and blew out the windshield. The insurance company fixed the window but are claiming that this is a mechanical defect and is not covered unless a rider is present on the policy. I feel this is a disclosure violation as I would have had that rider in tact. This vehicle still needs airbags and systems repaired.

We have replaced one lighting switch. The wire harness was melted. We asked about a recall on this 2 years ago when it happened. When it goes out we have no tail lights and no dash board lights. By the looks of other complaints we are not alone. With this many complaints about an electrical wiring default where is melts down like ours did or the cause of a fire why is there not a recall on such a dangerous thing.