Q: Responsibility for damaged alternator

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Hi Tyler ! I own an X5 BMW 2012 and recently had a problem with the alternator. The mechanic told me that a pulley broke and the belt damaged the alternator. Now, I had a pre-winter inspection and I wasn't told to replace the belt. I have a prolonged warranty but they say they won't pay for the damaged alternator and I am left with a hefty bill. My question is who is responsible for the fees and how can I be protected against such events as a customer? Thanks

Dan

My car has 100000 miles.
My car has an automatic transmission.

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