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A used car purchase under PA law, absent a warranty from the seller to the contrary, is considered to be "as is." In an as is sale, the courts hold that the buyer is to beware (caveat emptor) and that the buyer bears the risk of any hidden damages. If you purchased an additional warranty, then the written terms of that contract of warranty govern your claim. Thus, you need to prove that your damages fall within the coverage terms of the contract of warranty to hold the warranty company liable to pay.
If the cause of the damage is outside of the terms of the extended warranty, then legally in PA without any other written warranty from the seller, you have to prove that the seller knew of the defect when he sold you the car and knew the car was not fit for its intended purpose (implied warranty of merchantability) or that they knew of the defect and failed to disclose the defect at the time of the sale (implied warranty of good faith). Proving knowledge of the defect by the seller when they sold the vehicle can be difficult, but it is essential to invoke the implied warranties allowing claims against the seller.
If you cannot prove knowledge, then in an as is sale, I am sorry to say the PA courts and laws hold you as buyer are liable for the risk of any hidden defects not covered by a warranty.
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