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I have an 01 zetec and when I brought the car in for a major repair they forgot to put the lower serp belt cover back on, it would squel in the rain going over puddles because it got wet. I got a new belt at the same time that I got a replacement cover so I can't say for sure that it was solely the cover or not. I would replace the belt as well s get a new lower belt cover. Dealerships should have them for less than 20 but I can't remember the part#
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