I take it you don't smoke. There isn't a smoker alive who hasn't almost torched his car with a cigarette blowing back into an open rear window or dropped one between the seats.
Take some food warmers over to a party and dump an accidently still lit can of sterno on the seat.
Your lack of creativity is prolly a sign that you don't have the wits to carry this off successfully
I have visions of you weeping uncontrollably as the small town cop and insurance claims investigator ask you to state your name.
Edit:
recent posts by Druff indicate he might cooperate with authorities if asked
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Thx Druff