A loud bang was heard while driving approx. 35 MPH on a clear day. The vehicle lost all power, smoke started coming from the hood area and the cabin began to fill with smoke. Driver pulled over, opened the hood and discovered the entire engine compartment in was engulfed in flames. Passersby tried to extinguish the flame with fire extinguishers, but it kept reigniting. The fire department arrived and put out the flames. This could have been life threatening if the driver did not get out of the vehicle. Amica Insurance's claims processors and an independent forensic investigator engaged by Amica Insurance have concluded the engine fire was the result of catastrophic engine failure. The forensic investigator noticed an outward bump in the oil pan and indicated this was likely the result of a separation of crankshaft and or piston rod elements. The investigator indicated he sees about 10 of these engine fires each month. Kia's special unit that addresses their engine fire problem has been notified and are dragging their feet. We have not heard anything from them after filing a claim on or about 3/22/2022. There were no warning signs prior to this catastrophic failure event. Gauges and warning systems were all normal. The engine and the engine compartment are a complete loss. Other damage occurred as the fire department worked to extinguish the fire. The forensic investigator and Amica's claims processor have declared the car a total loss.