I have had things like this happen. I would not think that it is insimenator. But what I would do is use clean installer which you can get here
http://sims2pack.modthesims2.com/. Usually what I do before I sort by date is I scroll down and disable everything that is highlighted in red or pink. Usually that works. But every time I have had this same problem it was because of a corrupted wallpaper file, terrain paint file or some other small replaceable file. Or you can use Squinge's hack utility which you can get here:
http://www.simwardrobe.com/. You may also want to pay attention and see how much ram your game is using, in my experience if it runs out of ram it will obvouisly crash. Usually you can help your ram by clearing out unwanted downloads or by getting more ram. You might want to also try a ram booster. Also check to see if your video card is up to date. Hope that helps.