OUR 2000 FORD EXPLORER WAS SITTING IN THE DRIVE WAY FOR AT LEAST 3 HOURS AND AROUND 10:30PM (CENTRAL), OUR NEIGHBOR CAME KNOCKING AT OUR DOOR AND TOLD US THAT OUR EXPLORER WAS ON FIRE. I AM NOW WITH OUT A VEHICLE TO GO TO WORK AND THE INSURANCE DID NOT PAY OFF ALL OF THE VEHICLE. I NOW HAVE TO SACRAFICE TO PAY FOR SOMETHING I DO NOT HAVE AND SAVE FOR ANOTHER VEHICLE AT THE SAME TIME.