Car Dealership Said Foreign Object Was Cause Of Failure So Warranty Won't Cover It. When I Called My Insurance They Told Them There Was No Foreign Object It Failed Due To My Neglect
Location: Oregon, US.
I don't even know what is going on right now. I bought a car 2 years ago with the extended warranty. In 12.9k miles I had the oil changed 4 times and kept all records.
On a drive last month it suddenly started knocking and the oil light came on. I immediately pulled over and took it to the dealership on a tow truck. They called the extended warranty company who sent out someone to investigate. They claimed to find a foreign object inside a fuel pump which clogged it and caused the engine to fail completely beyond repair. Warranty denied my claim citing they do not cover failure caused by foreign objects.
I then got my insurance involved. Insurance sent an adjuster and called me this morning saying the dealership said nothing about a foreign object and claim I drove the car without oil which caused the engine to fail so insurance denied my claim.
The dealership is lying to someone. I have no idea what to do. I have an email from my service representative detailing everything including the findings of a foreign object as the reason the extended warranty company denied us. That very same representative gave a report to my insurance adjuster saying there was no foreign object. Why would he lie to the insurance or to me in a written email?
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