NHTSA Complaint #11468337 — 2014 KIA OPTIMA

While driving on the freeway, my 2014 Kia Optima Hybrid LX suddenly loses all power. My dashboard flashed a red rectangle warning stating something was wrong with the HEV, pull over, and turn off car. My engine light was also flashing. Towed vehicle to dealership where they said engine seized, they can hear engine knocking, but the rod bearing passed the clearance test. According to 17V224000, my vehicle year and engine is involved but because my engine is MPI and not GDI, KIA Consumer Affairs claims my issue is not covered. All of my maintenance are timely and I have records of it as 99% of my maintenance were with the KIA dealership I purchased my vehicle from. How can my car just seize on the highway if my vehicle is well-maintained?