OUR FORD EXPLORER SHUT DOWN WITHOUT WARNING IN AN INTERSECTION. PEOPLE BEGAN PUSHING MY WIFE, BABY SON, AND TWO OTHER SONS OUT OF THE INTERSECTION WHEN THE TRUCK BEGAN SMOKING AND THEN THE ENGINE BURST INTO FLAMES. WE LOST THE TRUCK (WHICH ONLY HAS TWO PAYMENTS LEFT AND WHICH WAS IN PERFECT WORKING ORDER), OUR CAR SEATS, AND A CONSIDERABLE AMOUNT OF PERSONAL ITEMS TO SMOKE, FIRE, AND WATER DAMAGE. THE FIRE DEPARTMENT HAD TO BE SUMMONED TO PUT THE FIRE OUT. *TR