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Story (according to SAA and co.) goes something like this:
1. Crew went to battle expecting to face nothing bigger than 23 mm guns, so they were moving with deactivated Shtora-1 APS. Again.
2. Instead, top of the tank's turret was struck by ATGM. It destroyed the optics, set AA machine gun ablaze and stunned the crew in the turret.
3. So crew attempted to retreat when tank's side armor was struck by second ATGM. Driver was injured
4. Gunner and commander decided to bail out and ran away leaving injured driver behind. He was evacuated an hour later.
5. The fire was not extinguished and, eventually, it crawled into the tank and set it on fire, ultimately torching it to a crisp but without blowing it to smithereens. The shells detonated, but the turret didn't fly sky high.
Leaving MBTs burning from an external source will eventually overwhelm automated extinguishers. Case and point.