the car insurance was still in effect. i checked the policy. the car is infact paid for. as far as heatshields preventing it… idk. there is no way of testing that theory as its all water under the bridge at this point. theres plenty more things i could go into about how my life has changed and such but id just catch more flak from everyone on here. no one needs to know everything. ive made too much of my personal life public in the past. not making that same mistake again.