Larry -

   My not carrying comprehensive coverage was a decision I made based on
paying a VW dealer to perform an inspection of the vehicle, and my willingness
to self insure.  If the dealer didn't do what I paid them to do - then they
are responsible also.  The owner concealed a defect that may have caused the
fire.  The insurance agent had nothing to do with it.  I wasn't willing to
self insure against an expert's (ie, the dealer) negligence or the owner's
concealment and fraud.  Given the problems that list members have experienced
with fuel lines, gas leaks, and electrical shorts, the dealer should have
known to have checked these items carefully.  We are all not as mechanically
sophisticated as you may be.

Mike