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There is a backup starter that runs off that tiny battery thats under the hood
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This is correct. Mine has kicked in 2-3 times in the two years I've had the car, always when it's less than 10 degrees F.
Unfortunately the 12V battery under the hood that fires this starter, and which also runs all the accessories, is charged by the DC-DC converter which is integral to the IMA system. So with the IMA system disabled the 12V battery wouldn't charge and the car would be dead very quickly.
Unless I'm mistaken, short of rigging up an alternator the Insight couldn't be run with the IMA system disabled, if then.
I have been running my 2003 Civic hybrid with weak batteries (the CEL/IMA light always on) for over 70K miles now but it is a standard transmission. From everything I've seen the IMA/CVT combo is prohibitively gutless with weak/faulty IMA batteries, so even if the batteries were just weak the car might be basically un-driveable.
Hopefully I don't find out...