I WAS DRIVING MY JEEP AT NIGHT IN A RESIDENTIAL NEIGHBORHOOD. I LOOKED DOWN AND THERE WAS A SHARP TURN IN THE ROAD. BY THE TIME I REALIZED IT, IT WAS TOO LATE AND I HIT THE GUARD RAIL. THE FIRE STARTED RIGHT IN FRONT OF MY WINDSHIELD. I WAS ABLE TO GET OUT BUT WITHIN MINUTES MY ENTIRE JEEP THAT WAS LESS THAT A YEAR OLD AT THE TIME WAS COMPLETELY CONSUMED IN FLAMES. THE FRONT END WAS STILL IN TACT SO THE DAMAGE IN MY OPINION WAS NOT NEARLY ENOUGH TO RESULT IN TOTAL LOSS.