DURING THE EVENING MY WIFE, SON AND MYSELF WERE APPROACHING A STOPSIGN WHEN THE TRACER STALLED FOR THE FIRST TIME EVER. UPON TRYING TO RESTART IT A FIRE ERUPTED UNDER THE HOOD EVENTUALLY TOTALLING THE CAR BEFORE THE FIRE DEPT. ARRIVED NOT HAVING ANY INSURANCE I AM STILL OBLIGATED TO PAY THE REMAINDER OF THE NOTE WHICH IS APPROX. 2,300 DOLLARS. HAS THIS EVER HAPPENED BEFORE AND IF SO WHY?