2019 Mustang Bent Rod

[BentRod19GT]

I have the Ford extended warranty on a 2019 Mustang, still under warranty. Last week while driving on the highway, the Mustang had a catastrophic engine failure, rod made a hole through the block. The car has no cats and dealer stating possible tune. No tune has ever been added to car (never).

Ford Warranty, high cost side is asking for additional pictures. They want valve cover removed on hole side and pictures taken. No denial has been made from ford warranty. If not covered I am responsible for cost of pictures. According to last customer rep for Warranty, the car is in preapproval and Ford just wants to know if its complete engine replacement of just short block. Dealer telling me it will be denied because of cat removal and possible tune.

Question: Should I roll the dice and authorize the additional pictures?

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[Goterr0r]

You don't have cats. You don't have a warranty anymore. You will be eating the cost of the engine replacement.

 

[Jaymar]

You don't have much of an option, if they want pictures it isn't because they're just curious. Either they're going to cover it or not, that's entirely up to them. They do this all the time so you aren't going to be able to just fool them by obscuring some pictures.

 

[Skye]

Question: Should I roll the dice and authorize the additional pictures?

I'd like to think they'd nick you for a few hours of tech time. Did they offer a ballpark price?

As to the warranty, mods to the car, possible denial, it seems like the cheapest option is to get the photos and press on; they'll offer the greatest detail as to what happened and what you're dealing with, warranty or if you go it alone.

If you don't get the detailed photos, I assume a borescope, everything stops and they'll ask you to pick up the car.

I will say the odds are stacked against you. There have been mods directly to the engine; this should void any policy. Ford is paying $5B in recalls and claims each year. If they approve anything, it'd be a gift.

 

[BentRod19GT]

You don't have much of an option, if they want pictures it isn't because they're just curious. Either they're going to cover it or not, that's entirely up to them. They do this all the time so you aren't going to be able to just fool them by obscuring some pictures.

Car is at the service department, pictures of what can be seen already sent to warranty. No mods directly to engine, that why it's curious they say possible tune, not definite. Also I researched on this forum that cat removal would not cause failure to engine but would void the warranty on the exhaust. Not sure what to do, I need all the advice I can get.

 

[BentRod19GT]

I'd like to think they'd nick you for a few hours of tech time. Did they offer a ballpark price?

As to the warranty, mods to the car, possible denial, it seems like the cheapest option is to get the photos and press on; they'll offer the greatest detail as to what happened and what you're dealing with, warranty or if you go it alone.

If you don't get the photos, everything stops and they'll ask you to pick up the car.

I will say the odds are stacked against you. There have been mods directly to the engine; this should void any policy. Ford is paying $5B in recalls and claims each year. If they approve anything, it'd be a gift.

Based on the information submitted by the dealer, why hasn't Ford warranty just denied the claim, why additional pictures? Cost estimated between 250 and 600 hundred dollars.

 

[Jaymar]

Then I don't think I understand the question. You have a modified engine with a Ford extended warranty that you want to cover the thrown rod short/long block. They want pictures to determine the extent of the damage and your decision is what? They may still cover it, none of that is a guaranteed no but in my experience you are already at their mercy as far as decisions go.

 

[Skye]

Based on the information submitted by the dealer, why hasn't Ford warranty just denied the claim, why additional pictures? Cost estimated between and hundred dollars.

Disclosure: I have never filed a warranty claim or used my policy.

I suspect Ford is compiling a package of all the variables, anything involved in the failure, so the inspector/Ford/whomever can make a determination. It's an insurance claim; they'll want to document everything well. It could be one string is investigating the engine damage and are not yet aware of the lack of cats.

The tech will have their input, the dealer theirs, a possible third party review all that and maybe the car themselves. IDK. Right now, it seems some know some things, but no one knows everything; that's what the package/file is for as it circulates to all the parties.

 

[robvas]

What else is done to the car with the headers?

 

[S550HPP]

Bring it home put all the stuff back on along with a scrap ECU and return it to the dealer use the excuse you need to exchange the wheels and other accessories since it will be down for so long.

 

[BentRod19GT]

Then I don't think I understand the question. You have a modified engine with a Ford extended warranty that you want to cover the thrown rod short/long block. They want pictures to determine the extent of the damage and your decision is what? They may still cover it, none of that is a guaranteed no but in my experience you are already at their mercy as far as decisions go.

I am wondering why Ford hasn't just denied the claim based on what's been submitted by the service department. So I know cost is mine if denied.

 

[Jaymar]

Disclosure: I have never filed a warranty claim or used my policy.

I suspect Ford is compiling a package of all the variables, anything involved in the failure, so the inspector/Ford/whomever can make a determination. It's an insurance claim; they'll want to document everything well. It could be one string is investigating the engine damage and are not yet aware of the lack of cats.

The tech will have their input, the dealer theirs, a possible third party review all that and maybe the car themselves. IDK. Right now, it seems some know somethings, but not one person knows everything; that's what the package/file is for as it circulates to all the parties.

This is exactly what's going on. The adjuster is still determining the coverage of the claim. If you have a 2019 any warranty you have is aftermarket and those work exactly like an insurance claim through the policy guarantor.

 

[BentRod19GT]

What else is done to the car with the headers?

No Headers, just cat removal. Why? Would be another post.

 

[BentRod19GT]

What else is done to the car with the headers?

No Headers.

 

[BentRod19GT]

I will probably roll the dice and approve the additional pictures. I will probably be back asking advice on replacing the engine myself, reman or new.

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