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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.

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