Thank everyone to listening to my rant and I will be taking your advice. I will be calling my insurance today, as my payment is due and I call it anyways. I will let them do the work, because that is what I pay them for.
I need to talk with my dealership to see if I purchased the protection plan. I know I bought the factory maintenance plan, no sure on the protection plan.
I will let he powers at be work it out. I believe in Karma, and what does around comes around.
And at least I was not shot