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In many (most?) countries in the world, you'rre required to have a fire extinguisher in your car, you can be ticketed in a routine stop if you don't have one, and I was, in Honduras. Maybe not such a bad idea, even though the real effect of the law is to maximize the bribe opportunities..
Ford has burnt down more hospitals and homes than all others combined. I am a master tech and have seen alot. Cruise control switches nunber one, transmission lines on ambulances blowing off and latley alternators going up in flames.
Meaning what? Owners torching their cars and getting away with it? Interestingly, it's not just BMWs. It's pretty remarkable for a SITTING car to catch fire AND nobody knowing why, including the manufacturer.
Not if the owner is upside down on their loan, has gap insurance, financial problems, and can use google. All of those items are going to tend to be prevalent amongst BMW owners. Why? Because BMW's are expensive status symbol cars that tend to attract that type of buyer. Not saying all BMW owners fit that description (before people who like to make assumptions go ape Shirt). However that type of person will be more likely to be attracted to BMWs (among other super expensive status symbol brands, but BMW fits that mold more than anything else I can think of). And no assumers, I am not saying BMWs are bad cars. they are very fine cars. However they are also today's primary status symbol brand, they are expensive and they are often bought by people who cannot afford them. They also depreciate much faster than the loan payments pay down the principal.
Eventually (I think) insurance companies will notice and start to use their considerable resources to strongarm BMW into looking at this more seriously.
I friend is an insurance agent that does a lot of commercial P&C. He said that they processed a claim for an asphalt company that had a bad fire in their shop. Among other things, it was determined to have started from a Volvo Dump Truck. Turns out the insurer was already noticing an unusually high number of Volvo commercial truck's that had fires. Tracked it to one engine type even.
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