We have a claim on BAP Policy. The loss was a result of an incidental mechanical fire because the insured's equipment (the brakes) overheated and as a result, caught the trailer and excavator on fire. The insured was up-to-date with maintenance, inspections and registration. The insured advised there were no recent repairs done to the trailer within the past year. Additionally, there were no recent issues with the trailer at all. In effect, the fire was completely incidental and unpreventable.

Fire loss is covered under the insured's comprehensive coverage and per the above, would be considered a no-fault, comprehensive loss.

The NYS Thruway Authority submitted a bill to the carrier for lane and shoulder closure and to provide protection for fire and EMS personnel, copy attached.