THE PILOT REPORTED THAT HE HAD OBSERVED A CLOUD LAYER FORMING ALONG HIS FLT ROUTE. AT ABOUT THE SAME TIME, THE ACFT VOR RCVR FAILED. THE PLT ELECTED TO CONTINUE VFR-ON-TOP TO HIS PLANNED DESTINATION BASED ON VFR WX REPORTED BY AN ATIS BROADCAST FROM AN ARPT (CLT) WHICH WAS NEAR HIS DESTINATION. UPON ARRIVAL IN THE VICINITY OF HIS DESTINATION, THE COMM RADIO FAILED & HE FOUND THAT THERE WAS A 'SOLID UNDERCAST' PRESENT. HE THEN DIVERTED TO CLT, BUT WAS UNABLE TO LOCATE IT DUE TO THE OVERCAST. WITH AN ESTIMATED 5 MINUTES OF FUEL REMAINING, HE DESCENDED THROUGH THE OVERCAST & BROKE OUT AT 200-300 FT AGL. HE OBSERVED A PAVED ROAD AND ATTEMPTED TO LAND ON IT; THE RT WING IMPACTED UNSEEN UTILITY WIRES DURING THE LDG AND THE AIRPLANE CRASHED. THE PLT STATED THAT HE CHECKED THE WX PRIOR TO T/0 BY LISTENING TO NWS WX RADIO AND BY MAKING A PHONE CALL TO HIS DESTINATION. HE DID NOT OBTAIN A FSS WX BRIEFING. OCCASIONAL LOW OVERCAST CEILINGS WERE FORECAST FOR CLT, BEGINNING A FEW HRS BEFORE THE ACCIDENT.