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The engine in your Honda is what's called an "interference type." That means that if the timing is off, the cylinder can come into contact with your valves (not sure if it's the intake, exhaust, or both). That is a VERY expensive problem. The timing belt controls the timing, so I would highly recommend you replace it on the manufacturer's recommended intervals (90k miles or so). While you're at it, replace the water pump, as most of the cost is labor to get to the timing belt, you might as well replace another $40 part while your in there (after ~$500 of labor or so).

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Q: What happens if the timing belt breaks on a Honda Civic?
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