Carrier/rack problems of the 2012 Dodge Durango

My wife was driving down the road probably about 40 or 45 mph when she heard a loud pop and the car began to handle weird and making all kinds of noise. She got it to a nearby parking lot where I met her to look at it. At first glance I could not find anything wrong except for the exhaust appeared to be broke so I had her drive it home since she was only a mile from the house. When I got it home upon further inspection I found that the rear subframe for the rearend had ripped out of the unibody frame. There cracks and rust in the frame. The vehicle has been at the Dodge dealer for the last month and half and Dodge is refusing to take fault for the manufacturing defect. Insurance has also refused to pay for it as there was no signs of an impact. I am looking at a 6000 dollar or more repair for a 12,000 dollar car that still has over 10,000 owed on it. I'm at a loss as to what do with the situation. The dealership has also said that there's nothing more they can do for me and that I just need to come get my car.

In December 2011 I purchased a new 2012 Dodge Durango citadel from northtown Dodge Chrysler Jeep ram (ndcjr), in tonawanda, NY. I am having an issues with periodic stalling without warning while driving. In April 2016 while slowing down to exit right via a thruway ramp the Durango stalled and steering wheel locked without any warning. I brought the vehicle into ndcjr on 4/30/2016 and was told that they were ¿unable to make any repairs because they could not duplicate the issue¿. In July 2016, my husband experienced the stalling while making a left turn. My most terrifying experience came in August of 2016 when I was on a main road in busy evening traffic, slowing down to merge into the left turning lane, and the car completely stalled and steering wheel locking again almost causing me to rear end the vehicle in front of me. I contacted ncdjr to inform them that this was happening again and that I needed my vehicle serviced. Northtown had my vehicle from 8/6/2016-8/30/2016 and I was again told, the vehicle could not be repaired because ¿they could not duplicate the problem¿. On the evening of Thursday, 9/29/2016 I was getting off at an expressway ramp and was sitting in rush hour traffic waiting for the light to change, and when I accelerated the car made no motion, I was again stalled without warning. Per their instruction, I contacted ncdjr and told them I was bringing the vehicle right over. They again could not "duplicate the problem" however they decided to put a tracking device on the car so that when it stalls again it can be recorded. I picked the vehicle up 6 days later on Wednesday, 10/5/2016. I feel that I have been more than patient and have been through all of the proper channels, however, I am being asked to continue to put my family, myself and others at risk by driving a car that is unsafe to have on the road in this condition.