people please be polite.
To be clear: I am entirely sympathetic to the situation the OP finds himself in: no car, loss of some belongings, apparently no rental car coverage once he was paid off, lots of hassles filing claims, etc. I myself almost lost my 2008 while it was parked at a trail head that burned over while we were out mountain climbing, and in fact in trying to pack out and avoid the fire we got in a bad place and had to run away with full overnight packs so as not to be overcome by the moving fire front. I can tell you that it is a very scary, emotional, adrenaline rush sort of thing when you believe there's a good chance you might not come out alive in a situation and just have to do what you have to do.
What I object to, and I think many here do also, is the title of the post and the tone of the original report that the OP believes he is somehow owed much more, and the demand for blood from SOA. The three significant points that most posters have made regarding this are:
(1) he wasn't injured, nor was his family,
(2) he's already been made whole, and
(3) if there's anyone who has a dog in this fight, it's not him, it's the insurer(s) who paid the claim, retired the loan, and compensated for the loan's gap coverage - should they wish to do so.
I think this forum might have an interest in learning of any systemic issues existing with this Gen 5 model series that may have contributed, should there be something really going on here. And the NHTSA website provides a sober, methodical way to report any such findings from their investigation. But I don't think there are any issues; we're now into the fourth year of this series, and the sales numbers are significant relative to this one incident that I'm now aware of. We certainly would have already heard about it if there were.
It was just an unfortunate, isolated incident. And that's all.