FORD F-350 DIESEL DUALLY CAUGHT ON FIRE UNDER THE HOOD WHILE SITTING IN A PARKING LOT. THE VEHICLE WAS JUST FINISHED BEING DRIVEN. THE ENGINE WAS SHUT OFF AND THE KEY WAS REMOVED FROM THE IGNITION. THE FIRE DEPT CAME AND EXTINGUISHED THE FIRE. VEHICLE IS A TOTAL LOSS. INSURANCE WILL NOT COVER THE LOSS. IS FORD RESPONSIBLE FOR COVERING THE LOSS? *TR