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Auto Insurance Claims/Engine damage due to animal


Hi, my sister had a auto claim denied for mechanical failure. The original cause of engine damage was due to an animal getting lodged in serpentine belt. 5100 later she had to take a personal loan to get car fixed. Car dealer who did complete engine overhaul stated no evidence or abuse or lack of maintenance. Can she have her claim re-opened?

Hi Steve,

Apologies for the delay.  I would suggest she have her mechanic contact the auto damage adjuster who originally inspected the damage.  Failing that, they should reach out to the auto damage adjuster's supervisor, and request a re-inspection or re-evaluation of whatever evidence she and/or the mechanic saved or has.

While I have never heard of an animal getting lodged into a serpentine belt, I would imagine that the result would leave clear and obvious animal detrius behind that should be self-evident to an adjuster...

Good luck!

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Liability Claims Adjuster


I can answer: - Questions about application of comparative negligence in complex auto liability claims - Questions about first party coverages - Questions about property damage claims - Questions about the auto claim process, in general I cannot answer, at this time: - Bodily injury settlement questions - Total loss evaluation questions - Questions pertaining to a particular insurer


I have been a liability claims adjuster for over 5 years, investigating, negotiating and settling nearly every imaginable auto liability claim (including theft). However, I am not a bodily injury adjuster. Additionally, I am a certified Arbitrator for the industry's Arbitration Forums (, of which 100% of all "name-brand" insurers are members, and of which a large portion of non-name-brand insurers also are members. I work for one of the Big Three insurance companies in the US. I am licensed to adjucate and settle claims in Connecticut, New Hampshire, Rhode Island and Vermont, and also adjucate and settle claims in Maine and New Jersey (which do not require licensing).

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B.A., Political Science (The Colorado College, 1994)

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