"... Long story short: I was driving to work and engine blew and caught on fire on a busy street. I frantically used snow to put out the fire. Fire was gone by the time the cops got there so no fire deparment was needed. My wife has been stressing about this matter for weeks... When your representatives told her over the phone that our car is not covered from an engine fire and would have to pay out of pocket $4000 to repair, she broke down crying..."