<blockquote><font size="1" face="Verdana, Arial">quote:</font><hr> I've never tore down a Starter. I've got a good mindset for working on cars and understanding what's going on with them, just not a lot of experience. I have no idea what a "mica" is or a "commutator" for that matter. I just plan pulling the starter and taking it to a rebuilder here locally. <hr></blockquote>
Perhaps taking it to a rebuilder is the best idea, but to answer the question about mica etc.
The commutator is a bunch of copper bars on the armature. The carbon or carbon/copper brushes conducts electricity into the proper wire windings on the armature (which creates a electromagnet). It does this by making electrical contact with the commutator bars.
The bars must be insulated from one another so the electricity goes to the proper windings. To do this, old DC motors used mica (a moderately soft, non conductive type of rock which doesn't mind very high temperatures) between the bars. The copper bars are quite soft so they wear faster than the mica. If the mica is above the bars,the carbon brush will ride up on it so it cannot make good electrical contact. That is the reason the mica is cut down below the commutator
The only reason I can think of for not cutting the insulator (mica) back is really hard brushes (Lucus?) may tend to schmear the copper across the insulation gap to the point that it contacts the adjacent bar?? This would short out the armature.
Anyway, have fun with your car.
Jim