Electrical Failure Problems of Mercury Milan

I have had the Milan 2010 into Ford 6 times because the engine lost all power without warning:no lights;brakes;steering. I have witnesses. It has happened in all types of conditions: stop and go traffic; merging onto a freeway. The last time black smoke came from under the hood. The car was in the shop for 6 weeks. A week after it was so called "repaired" the problem occurred again. I started a "lemon law" complaint in March 2012. My mother became fatally ill and died and I could not complete the claim. June 15, 2012 I was pulling into a parking space and the electrical system failed. I could not stop. I crashed into a cement wall. The car was a total loss. I got whiplash. My insurance company will not pay the balance remaining on the car. Bbb stopped "lemon law" case because there was an accident. No attorney will take the case because there is not enough money to be gained. I am without a car; in debt; injured; driving a rental car and working 12 hours a day to buy a new car. Please help me.

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