Burned out truck. Figure 1 – Example of a vehicle that has sustained a fire loss. (Photo: C. Roberts)

Improperly installed cartridge oil filters in automotive applications can cause the total loss of the vehicle. The scenario proceeds as follows: the insured has the oil and filter changed in a vehicle and continues to drive. At some time after the oil filter change, a fire develops, typically in the engine compartment, and nearly complete destruction of the vehicle results.

Upon examination of the vehicle, the origin of the fire is in the vicinity of the oil filter. Figure 1 is an example of such a vehicle that sustained a fire as a result of an improperly installed oil filter.

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