You can put any spin on it that you want to.... Bottom line is.... 1. It was not an act of God or vandalism. 2. It was not due to a collision. 3. YOU KNOW THAT IT IS A DOCUMENTED MATERIAL DEFECT. I would fully support going after Chrysler as an item that should be a recall, but to claim it on your insurance when you know damn well it is a material defect is wrong. With any luck, your insurance company will find out that you have boasted about your ill-gotten gain, and pursue recourse against you. You are probably the type that also looks to litigation at every possible opportunity. For the love of God..... get a conscience.