They state that I did not do the required maintanence which was changing a timing belt at 75,000 miles and we are at 79,000 miles. I am without a car and this doesn't seem like I am being treated fairly.
"Fair" has nothing to do with contract obligations, as "fair"needs to be addresed BEFORE you sign an agreement or buy a product. You will need to retain a lawyer, probably at some initial expense, to review your warranty agreement and the situation, and probably file suit if the insurer won't abide by the agreement. By example, not changing the timing belt would have little to do with replacing a covered window motor BUT could be serious and legitimate issue if there was engine damage caused by a bad timing belt or the engine being out of timing. This typically revolves around the details of the warranty agreement.
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