Legal Question in Product Liability in Illinois

You need to read your policy and see what the procedure is to follow when there is a disagreement regarding the coverage issues. First, request in writing from the adjuster the exact reason why the claim is denied and request them to show you where in the contract they find the basis for the denial. Two, you then read that clause and then read the rest of the policy and see if there is any argument you can formulate to counter the adjuster's basis for denial.

If the amount of the money involved is significant enough, you may want to have an attorney review this. I have successfully fought unjust denials in the past and be more than happy to help you out.

I hope this helps-

Mr. Taradji gave you the middle half of your answer. The first part of your answer is that you had the radiator replaced after you took ownership. You took ownership when you concluded your purchase and the car left the lot the first time, not when the car finally made it to your house--unless there was some very unlikely clause to the contrary in your sales contract. I am guessing you took the car "As Is" otherwise you would not be purchasing a third party warranty. After the review of your policy, you are probably going to find that there is a clause in the warranty policy that says if you have repairs made without notifying the warranty company, the warranty is void as to any damage caused by the repairs you made. So, if there is sufficient money involved to go further, you will want to have a reliable mechanic review the warranty company's statement of the mechanical reason why the dealer's repair of the radiator caused the heads to become warped. If none, and the money is enough to justify paying an attorney (which I doubt), contact Mr. Taradji and go after the warranty company, perhaps in small claims court. If, however, the warranty company is right and the radiator repair caused the damage, then you should be going after the dealer for a defective repair, unless you took the car "As Is" following the radiator repair, which I bet you did. If you took it "As Is" and the repair violated the warranty, and the dealer knew that, then you might still have a claim against the dealer. If you got the warranty independently and the dealer did not know about it, and you took the car "As Is", and the warranty has a clause you broke by having your car improperly repaired by the dealer, then, my friend, you are probably "hosed", perhaps doubly hosed if a busted radiator hose was the cause.