my insurance agent is the best, I give her a scenario, and she tells me the best way to deal with it. she knows her stuff when it comes to the insurance loop holes.

I have had so many different cars so I know her pretty well now, lol.

but if you do not have that kind of relationship with your insurance agent, either ask others first before taking it up with the insurance company, or just deal with what they tell you, its best not to lie to them, in case you need something in the future.

THAT being said, I truly hope it gets resolved with as little $$ as possible, and of course let us know!

I would bet on a wiring issue though, maybe even BCM related if you were sparking the PCM, but time will tell.