IN THE MIDDLE OF THE NIGHT, MY 1998 FORD EXPLORER SPONTANEOUSLY BURST INTO FLAMES. THE FIRE DEPARTMENT DETERMINED THAT THIS WAS CAUSED BY A DEFECT IN THE CRUISE CONTROL SYSTEM THAT IS SYSTEMATIC OF FORD VEHICLES. THE FIRE COMPLETELY BURNED DOWN MOST OF MY TWO-STORY HOUSE AND CAUSED EXTENSIVE SMOKE DAMAGE TO THE REMAINING AREAS. *TR