(MINI L. OUTHOUSE OF STATE FARM INSURANCE. CLAIM NUMBER 43-R804-081) CONSUMERS VEHICLE CAUGHT ON FIRE DUE TO A MECHANICAL FAILURE OF THE COOLING SYSTEM. STATE FARM INSURANCE PAID FOR REPAIRS. AT THE TIME OF THE LOSS, THERE WAS NOT A RECALL NOTICE ON FILE. A COUPLE OF MONTHS AFTER THE INCIDENT, CONSUMER RECEIVED A RECALL NOTICE FROM FORD REGARDING A DEFECT IN THE COOLING SYSTEM. STATE FARM IS SUBMITTING A SUBROGATION DEMAND FOR ALL MONIES PAID AS A RESULT. *JG