This seems a rather useless feature. What is the point of preventing single point of failure if there is no way of detecting such failure?
Must MLCC caps crack on the production line (particularly during depaneling). With a single cap in place, this is detected. But with the series caps, no-one would notice...
As a result of such single failure, also the EMI behaviour of the device would change.
You did not catch the problem..
These caps usually sit near the connector, therefore will be bended when the device is plugged in the car, and maybe will also fail due to vibrations.
This bending might cause cracks inside the capacitor, causing shorts.
These caps are directly connected to the battery, fusing is not possible, or is prohibited inside the application.
This creates a short circuit current, and heats the capacitor, the connector and the cable.
The short circuit current usually is not so high, that the car fuse will break, therefore these components heat heat up and might catch fire, burning down the car in extreme situations.
So this series connection is a pure safety requirement, but mostly implemented only if the customer / OEM pays the bill, i.e. higher component price, double pick 'n place price, i.e. about 5 Cents more.
We try to mitigate the increase of cost by using FlexiTerm or similar "safe failing" MLCCs.
Frank