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Q: Should a transmission fail on a vehicle that only has 54K miles on it? on 2003 Volvo S60

My Volvo only has 54k miles on it. I bought it new, it's a 2003, & basically only use it to drive to work and back. Surface streets with an average commute of 5 miles, round trip.
My radiator has already been replaced as well. Am I crazy or should this car last a little bit longer. I know it's been almost 9 years but it's only got 54000 miles. I expected a little more longevity out of it especially being a Volvo. I drove a Mazda B2000 pick up for 18 years and put over 200K on it & didn't have these issues. Change the fluids, keep her clean, good to go. My Volvo is in great shape but with the price they told me to fix the transmission it may as well be totaled. I'm dumbfounded...
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That's what I thought. Initially they were going to charge me over $6100 to fix it.
After complaining that a new tranny at 54K was not cool they contacted volvo & now they tell me they can do it for about $2500. They told me Volvo offered to pick up some of it but because the car is 9 years old they would not cover the whole thing.
I'm not sure how I feel about that. I mean it's better than $6100 but still, way low miles.
I'm going to seek some legal advice to make sure I have all of my bases covered before I give them the go ahead. Ya never know...
Did you have to do the full replacement? My transmission just gave out too at 85k. Won't go into any gear. Any chance the dealer will partially cover mine at 85k, or is that too far out (compared to 54k)? Need to call a few places on monday.
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