I purchased a 3rd party warranty program after I purchased a used car from a dealer. the coverage from the website as of 4/26 stated that every single parts of the engine is under coverage (I have the screen shot). On 4/25, my car broke down due to timing belt, and causing heavy damaged to the engine as well.
I filed a claim to my warranty company and they came back to me saying timing belt is not under coverage. from my mechanic standpoint, timing belt is part of the engine, it's placed inside the engine, and not outside, like fans/pully belts etc. I went over the contract, and did found the section saying "belts" is not cover, but not specific which.
From my car manual, it require the timing belt to be replace at 110K miles, however mine is only has 92K on it. In order to get my car run again, i spent about a little over four thousands which include towing and car rental.
I'm confused. The warranty specifically says that it doesn't cover belts, but you think it should cover your situation...why?
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