Problem about kia motors

<p>I bought a kia Rio 2013 module on 2013.now it has airbag fault. They don't want to fix it for me they say my car is out of warranty. The insurance says they can't fix it because is a factory fault not accident. So now kia says I must pay 10 000 for it to be fixed. I don't have that kind of amount and this car is not safe for me to drive it and I am still paying for it.please help me</p>