Add me to the list of happy Explorer customers. No issues whatsoever on my damage claim a few months back. When I called them Thursday morning to see about filing a tow claim, the agent informed me that they would also reimburse our hotel room and meals. I much prefer handling the deal myself and getting reimbursed as opposed to waiting for someone else to arrange my tow. Call Explorer. They will put you with National Interstate and it will save you a bundle.