Remember when we learned not to stand in front or behind burning cars because the 5 MPH bumpers shocks would "blow" and bumpers would fly off the cars?
I love a good car fire
My gap insurance came to good use several years ago when Smoken Hot drove my 3 month old RX8 down a flooded street. When the cold air intake located under the front bumper had sucked in enough sewage to crack the motor in half, the car stopped in the middle of the new stinky lake. And when the door was opened to bitch at the guys pumping the sewer - the thresholds were breached like a the levies of New Orleans. Ultimately the car met its demise not due to engine damage but all the body control ECM's - as you point out - under the seats.