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Old 09-07-2018, 09:35 AM   #1 (permalink)
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Car Engine/House Fire Pirate advice

Figured this would be a good place to get some advice from anyone that may have been in the same situation...
So, long story short, I traded in my 2010 Mazda 6 for a 2016 from a local Mazda dealer about 3 years ago, for my mom to use and take over payments. Car is in my name.

Fast forward to this year, a few months ago, a fire starts in my moms garage (Assuming it was the car) Her and my sister barely make it out, while the fire extended to the whole house, basically causing them to lose everything they owned. Its been a rough few months but I'm glad they didnt get injured and that im able to help them.
Unfortunately, without my knowledge I did not know my mom did not get the additional insurance that covers fires/flood, natural disasters etc(I have full coverage on my Jeep and would have told her to do the same had i known) so insurance was unable to help.
We finally get the report back from the fire department and it basically says the fire originated in the engine.

What can/should be done? Other than the obvious of getting an attorney.
Never thought I would be in this situation, nor do i know anyone else in the same, so i'm not sure if I should contact the dealer or go straight directly to Mazda? I know it may be a legal shit show,so should i just get with an attorney and have them see what can be done?

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Old 09-07-2018, 09:48 AM   #2 (permalink)
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3 years later? Good luck.
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Old 09-07-2018, 09:48 AM   #3 (permalink)
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lawyer up. A quick google shows up fire recalls because of spiders on somewhat similar models.
I hate to say it, but these are the reasons to pay for home insurance.
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Old 09-07-2018, 09:51 AM   #4 (permalink)
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1rst research the car vrs fires. Dodge had to buy a lot of thing when they had some sort of major wire short. Ford did aswell with the 80s-97 trucks fualty brake psi switch for the cc on the master cyl.

If there is a history of that gen car burning up then mazada my be buying everything. Idk if a current recall may have been issued (and/or performed already) will effect the situation.
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Old 09-07-2018, 09:52 AM   #5 (permalink)
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Dealer is probably going to tell you to kick rocks,and mazda most likely also. Unless like stated there is a known issue/recall with the car. This would fall under homeowners insurance as it was parked in the garage.
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Old 09-07-2018, 09:53 AM   #6 (permalink)
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Why is not their homeowners insurance covering the loss?
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Old 09-07-2018, 09:53 AM   #7 (permalink)
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House insurance should cover house and stuff... just not the car.

Fire and theft are two coverages I put on all my vehicles. Even when I insure for the absolute cheap-ass minimum.
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Old 09-07-2018, 10:36 AM   #8 (permalink)
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Contact the home insurance company, if the engine caused the fire, they should be going after Mazda.

After you to to them, contact a product liability Attorney to see what needs to be done to protect her legal rights, and secure the car, Mazda will likely want to inspect the car if you sue.
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Old 09-07-2018, 02:24 PM   #9 (permalink)
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Probably not going to get anything from Mazda\Dealer after 3 years. Has the car only been serviced by that dealer? If not you’re going to get even less.
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Old 09-07-2018, 02:27 PM   #10 (permalink)
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He said fast forward to a few months ago, a fire...
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Old 09-07-2018, 02:29 PM   #11 (permalink)
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Probably not going to get anything from Mazda\Dealer after 3 years. Has the car only been serviced by that dealer? If not you’re going to get even less.
Every single thing she has done to it including oil changes were done at the same dealer where it was purchased.



As far as home insurance it is currently being looked into/reviewed. Just happened not too long ago.

thanks for the input everyone.
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Old 09-07-2018, 05:01 PM   #12 (permalink)
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House insurance should cover house and stuff... just not the car.

Fire and theft are two coverages I put on all my vehicles. Even when I insure for the absolute cheap-ass minimum.
This.

I've dealt with this same scenario before. My truck burned my shop down.

Homeowners insurance covered building and contents. Vehicles are covered under their own policy. One truck was covered, one truck was not.


If this happened a few months ago, how is this not handled already? My claims were all settled in a couple of weeks, and it took that long because we had to wait for a fire investigator and an engineer to look things over.

edit: Suing the automaker will be a very long shot. There would have to be a documented source of fires on those cars and your car would have to be inspected by an fire investigator and/or engineer to determine cause. Even then, there are a dozen different ways to say that they're not liable. Fires tend to destroy a lot of evidence, cause damage that makes root cause analysis impossible, etc. In my case it was the Ford cruise switch recall, very well known and documented. My insurance opted not to try to sue due to other mitigating circumstances involved in the fire. I had a diesel container with 5 gallons sitting on the floor near the truck, when that burned it left fire damage on the bottom of the frame rails, which any defense attorney would point to and say that you really can't prove what started the fire in the first place. Apparently vehicle fires will leave paint intact on the bottom of things and even leave carpet and seat foam behind, anything at a low elevation. Not the case with my truck, unfortunately. I'm not saying you shouldn't discuss this with the insurance and your lawyer, but I would be very pessimistic about your chances.

Last edited by krugford; 09-07-2018 at 05:08 PM.
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Old 09-07-2018, 05:31 PM   #13 (permalink)
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Quote:
Originally Posted by JDalcour View Post
Unfortunately, without my knowledge I did not know my mom did not get the additional insurance that covers fires/flood, natural disasters etc(I have full coverage on my Jeep and would have told her to do the same had i known) so insurance was unable to help.
Insurance isn't covering the car? House? Anything?
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Old 09-07-2018, 05:49 PM   #14 (permalink)
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Quote:
Originally Posted by CA_Snowtoy View Post
Contact the home insurance company, if the engine caused the fire, they should be going after Mazda.

After you to to them, contact a product liability Attorney to see what needs to be done to protect her legal rights, and secure the car, Mazda will likely want to inspect the car if you sue.
Yup, the insurance company has deeper pockets let them go to bat for you. find any info you can on engine fires and let them do the leg work.
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Old 09-10-2018, 08:48 AM   #15 (permalink)
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So your car policy specifically states that a malfunction by the car resulting in a fire is not covered? Or if you leave your car somewhere that has wild fires it is not covered? I have heard of the latter. But not car starting on fire not being covered.
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Old 09-10-2018, 08:58 AM   #16 (permalink)
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Quote:
Originally Posted by krugford View Post
This.

I've dealt with this same scenario before. My truck burned my shop down.

Homeowners insurance covered building and contents. Vehicles are covered under their own policy. One truck was covered, one truck was not.


If this happened a few months ago, how is this not handled already? My claims were all settled in a couple of weeks, and it took that long because we had to wait for a fire investigator and an engineer to look things over.

edit: Suing the automaker will be a very long shot. There would have to be a documented source of fires on those cars and your car would have to be inspected by an fire investigator and/or engineer to determine cause. Even then, there are a dozen different ways to say that they're not liable. Fires tend to destroy a lot of evidence, cause damage that makes root cause analysis impossible, etc. In my case it was the Ford cruise switch recall, very well known and documented. My insurance opted not to try to sue due to other mitigating circumstances involved in the fire. I had a diesel container with 5 gallons sitting on the floor near the truck, when that burned it left fire damage on the bottom of the frame rails, which any defense attorney would point to and say that you really can't prove what started the fire in the first place. Apparently vehicle fires will leave paint intact on the bottom of things and even leave carpet and seat foam behind, anything at a low elevation. Not the case with my truck, unfortunately. I'm not saying you shouldn't discuss this with the insurance and your lawyer, but I would be very pessimistic about your chances.

x2, my wife does this type of work, and 9 out of10 times it goes thru homeowners insurance and sent to her company to "subrogate" the loss. No way they will go after the auto mfg unless there are hundreds of cases actually worth a $ value. She would send a expert to the scene asap to investigate the cause & make a report. Homeowners pays, you move on with life and the rest of the stuff happens behind the scenes.

No one died thankfully so we are only talking about contents etc.
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