Indeed why I am a bit concerned with the coverage I have via AAA. I guess you never know how good things are (or aren't) until you have to exercise the coverage.

Do you think your luck with National Interstate was due to it being a good company understanding your needs, or being lucky you got ahold of a good claims agent?

I looked at the Explorer insurance website, and it talks about "auto insurance". No mention of being able to correctly handle anything beyond that. I'm not saying they can't, just that their publicity wouldn't have led me to their door.

I will try to connect with one of their agents in the morning to compare coverages.