yeah I still don't know what caused it! the fire department didn't tell me and even my claims adjuster when he called was like "damn girl what the hell"
yeah, I'm fine. I saw brown smoke from the engine compartment and got out before the flames were visible. as far as I know there's nothing I could have done to prevent it.
so far USAA has returned the payment I'd put down on it, but I hope they'll also reimburse me the thousand I put down on it at the dealership. I don't know really how that part of the insurance works.