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Q:

how critical is it to have a timing belt replacement at 130,000 miles on 2001 Chrysler PT Cruiser

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This pt has never had any problems other then replacing a battery and a starter. A great little car!
(1) Answer
Depends on your definition of 'critical'. If it breaks it will most likely cause other internal engine problems/ damage , such as bent valves. At that vehicles age and miles you'd be best putting an engine in it.T-BELT is a maintenance item on those.