^^^Good point. I would look at the fine print of the 3rd party insurer and see what they cover. Will the cover, blown head gasket, engine, tranny, etc. Whoever the 3rd party insurer is, can you bring your car to a dealership and do they directly pay the dealer or are you reimbursed. Search online the 3rd party insurance company name and see if you can find any relevant info about customer service, etc. Good luck.