Took my 2009 Mini Cooper to a friend of a friend who was reported to be a certified mechanic and had worked on minis before. He changed the water pump 3 weeks ago and it worked fine. Told me I need my timing belt fixed. I ordered the parts and he replaced the entire timing assembly last week. On Friday, the day after picking it up, my car died on the highway. Had it towed ($100) to the BMW dealer. When the tow truck driver unloaded the car he found a cam bolt had fallen off of the car and was laying in the bed of the truck. BMW put it back together ($590).but on of the cylinders has a piston jammed in it (4500 to fix). If it has to be replaced $8500. BMW says the bolt was not sheared off it just fell off because it was not retightened appropriately when the new timing assembly was replaced.
Problem. The mechanic was working from his father’s garage on the family’s personal property. Very nice 4 car garage with a lift and all the tools just like any other garage. Two of my friends recommended him plus the local Autozone manager. He doesn’t have insurance or a business license. He has no money to fix it. What is his liability? Would the property owners home insurance cover it? Someone said my insurance would cover it? I’m afraid to ask them for fear of screwing up my insurance. Any input would be great.