Insurance claim/Timing belt.?

I own a 2006 dodge charger sxt. I have owned it for three years now. My wife was involved in a car accident where the passenger side was damaged and the driver who hit her drove off. When the impact was made my car would not start back up. Long story short the mechanic shop is saying my engine needs to be

I own a 2006 dodge charger sxt. I have owned it for three years now. My wife was involved in a car accident where the passenger side was damaged and the driver who hit her drove off. When the impact was made my car would not start back up. Long story short the mechanic shop is saying my engine needs to be replaced because who ever replaced the timing belt before did it wrong. My insurance is saying because of this it is not related to the accident so they won't cover it. The three years I've owned the vehicle it has been awesome and when the accident happen it wont start now.I never replaced the belt either so whoever owned it prior to me did it. So as far as I know with timing belts and through asking around my car would have never of driven smoothly or ran at all in the first place if my belt was installed incorrectly. So it has been running 3+ years with a incorrectly installed timing belt and ran perfectly fine. Is this correct that incorrectly installed belt would have never of ran in the first place? I plan on fighting the insurance because my car ran totally fine before the accident happend and i have a feeling they're trying to get out of paying for my vehicle! I also think the mechanic shop may be trying to pull something too! Please advice!
An adjuster from my insurance looked at it today.

Other answer:

Fritz:
The insurance is definitely right; if there is anything wrong with the timing belt, it's not related to the accident, and they can't pay for it.

The mechanic might be a liar, but it might be time to replace the timing belt anyway, just based on the age of the car.

Mr.357:
I would say the timing belt was installed correctly if the engine ran fine. I would have a different mechanic look at the engine and see if the timing belt is the reason for it not starting.
CB:
The 2.7 uses a chain drive, but you probably have the 3.5, and it does have a timing belt. The service life is 100,000 miles or 6-7 years. Was it changed – do you have receipts? Mechanics aren't wizards, they guess a lot.
bo:
shop probably not trying to pull something. did a adjuster look at it if not ask for one to look at it from the insurance company for a opinion but more than likely their not going to pay for it. the adjuster might total the car if damage severe which means you can get another car. the way insurance companies are running these days its become a losing battle trying to get them to pay for anything