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The Kia Rio is equipped with a timing chain in the engine, which is preferable to a timing belt in my view because it usually doesn't require replacement throughout the vehicle's lifespan. While a timing belt typically needs to be changed every 60,000 to 100,000 miles, a timing chain can last beyond 300,000 miles. However, it's still a good practice to inspect your chain annually to ensure it's properly tensioned. A loose chain could indicate an issue with the tensioner. The timing chain plays a crucial role in keeping engine components synchronized, and if it were to fail, it could lead to significant damage to the motor.
The Kia Rio is equipped with a timing chain, meaning there is no requirement for a timing belt.
Your claims are not entirely accurate; Not all Kia Rios are equipped with timing belts as you indicated. Specifically, the 2008 Kia Rio may have either a timing belt or a timing chain, depending on the type of engine. The 1.4L and 1.6L engines come with a timing belt, while the 1.5L diesel engine is operated by a chain.
Diesel seems to be running like a chain, based on the sound it makes hitting the cover. I believe the tensioner may have stopped working properly.