While operating his vehicle, the insured smelled smoke, stopped the vehicle and opened the hood to assess the situation. He noticed a glowing wire generating smoke. Suddenly, a fire developed in the instrument panel of the occupant compartment, causing a total loss of the vehicle.

Figure 1 (below) is a view of the occupant compartment near the origin of the fire. The most severely damaged area was at the instrument panel in the vicinity of a stereo system (arrow).

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