Re: Insurance Claim Related Question--Ignition switch stuck and melted
You need to read your policy to determine what the coverage is. Do not reply on an adjuster's paraphrasing of the coverage. Most standard auto policies contain an exclusion similar to this: the following are excluced: mechanical or electrical breakdown or failure (other than burning of wiring) which under this exclusion means the burning of wiring is covered. Next you have to determine the common accepted definition of "burning" ie does it include melting of the wiring insulation?, does it require there to be a flame.
Again, read your policy.
Mrs. G's quote: "Better a younger car than a younger woman."