[XXX] Fire occurred while driving [XXX] my Ram 2021 and it was like a mini blast with a lot of sparks as I saw in a rear-view mirror. Everything went out on the dashboard and the car stopped at the Top of Wolf Creek Pass [XXX] . I got out of the car and saw a small fire burning under the car. The fire under the car went out on its own. The very shape of the hole (perfectly round) in my muffler indicates an explosion that occurred simultaneously. Also, the fused edges of the round hole indicate a high temperature during this explosion and fire. I disagree that this fair damage [XXX] my Ram 2021 3.0 ecodiesel [XXX] is considered from Progressive insurance as simple "wear and tear." estimate only $1669,78. Garber Collision Pontiac repaired the Ram 2021 by 04.24.2026 and replaced the damaged wiring harness ($1161 self-pay) as required by Progressive. After this repair, the Ram 2021 was unable to move and was delivered to the Tucson Ram dealer on 05/04/2026. The dealer did not indicate the root cause of the damage in the estimate. The car was also returned to me by the dealer. When I asked the dealer on 05.12.2026 to indicate the root cause of the damage, the dealer replied that he was not aware of such a similar damage and indicated that the warranty on the car has expired and there are no open recalls. But The dealer's initial assessment from 05.13.2026 (estimates $9325.25) indicates the fire was caused by a failure of the Exhaust Gas Recirculation (EGR) cooler, whic