can you help my car is 7 years old and today a fuse melted in fuse box but and hour later when my husband checked the lights the heater motor caught on fire behind the back seats my insurance company are going to have a look at it to see if it can be repaired but it lookes like it cud cost a fortune my excess is 500 and cant afford this can i ask my insurance company to write off the car as i would not thrust the car again especially as my kids were in it