The bugs are an irritation. The stones are a potential hole in your radiator and a tow home — with some luck no motor damage from overheating but the cost to repair / replace the radiator.
This is a piece the World of Outlaws cars use to protect their radiators from on track flying debris. It is a 7/16 honeycomb rigid nomex matrix that does not restrict the airflow to the radiator and does protect it from flying debris that can damage the core.
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Radiator Protector It is available in several sizes and trims easily. It also washes easily.
Ed