WIFE DROVE HOME FROM NC. PARKED CAR AND STARTED UNLOADING. 5 FEET FROM HOUSE. 20 MINUTES AFTER PARK SMOKE SEEN FROM HOOD. COULD NOT OPEN HOOD DUE TO HEAT. FIRE CAME FROM HOOD AND WHEEL WELL. FLAMES WERE 4 FEET TALL. USED CC FREQUENTLY DO NOT REMEMBER PROBLEMS. MAY HAVE HAD SOME FUSE ISSUES. VEH INSURED BY USAA WHO WAS GOING SUBRIGATE. USAA ALSO SENT AN ADJUSTER WHO TOOK PHOTOS.