automobile interior/upholstery mold removal (100% elimination) 

 Firstly, Scientific questions:  Cheapest and easiest chemical,
manufactured & natural (hypo-allergenic) mold elimination methods (or
combination thereof) currently available?

Secondly, financial liabilities (including potential health): Annual
claim liabilities? (i.e. avg cost- auto upholstery mold removal claim?
 yrly % of total water-damage insurance claims ?)

Dear Red,
If the mold has deeply penetrated into the cushion of the seats, I
recommend replacement.

The first thing to do, and I'm sure you have, is to stop the water
problem.  Mold will grow where there is oxygen, water, and a food
source.  Realistically, we can only control the water.

If you are trying to eliminate the mold stains and musty odor.  I
suggest you use Zymo-Cat Mold & Mildew Stain Cleaner.
(http://www.sorbtech.com/integrated/default.asp/Page=Catalog.asp/PageID=1261)

It does not kill mold, however it eliminates the stain and odor.

It is a non-hazardous, enzymatic cleaner and does not contain chlorine
or ammonia.  You can use it to shampoo the carpet and fabrics.  I also
recommend that you spray or fog it into the intake vent of the HVAC
and allow it to recycle through the system.

I highly recommend you try it.