Comprehensive coverage is dirt cheap to carry on most cars. Well under $100/yr.I trying to work out why anyone would claim this on their insurance. Just have a new cat welded in at any exhaust shop, doesn't have to be OEM....it's a 2002. So you have full coverage on a 20 year old car?
In states with CA emissions the CAT often has to be OEM. And even when it doesn’t, the aftermarket’s are usually not efficient enough to keep the P0420 away.