total loss claim possible from just having faulty engine? ve

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Posted: Sat Jul 24, 2010 10:35 pm Post subject: total loss claim possible from just having faulty engine? ve

Bought vehicle as a daily driver from orginal owner. Drove for 1 week then timing gears broke. Can I file a total loss claim or diminished value claim? Vehicle worth 1600. Repair cost 1200. I have full coverage.

nomadssp

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Joined: 24 Jul 2010
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Posted: Sat Jul 24, 2010 10:43 pm Post subject:

Quote:

I have full coverage

Not for this you don't unless you have some kind of warranty you purchased. Your insurance will NOT cover a penny of this hon., it's mechanical break down/failure, this is not covered. and I'd bet it was the timing chain/belt that broke Wink

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Lori

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Posted: Mon Jul 26, 2010 1:43 pm Post subject:

Could have paid $50 to a mechanic to examine the vehicle before you bought it. Probably would have noticed the worn belt/chain. "Cheap insurance" if there is such a thing. Although you might have a distantly remote chance of winning in Small Claims Court against the "original owner", I wouldn't take that bet. Fix the car with your own money or junk it. _________________ CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers.

MaxHerr

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Posted: Fri Sep 17, 2010 9:47 am Post subject:

That was your mistake for certain. Just the way we consult an insurance professional for our coverage needs (before we sign up), likewise we should also get other things checked before we pay for them.