" W/ your insurance tow options, you have to find a tow co.
yourself, pay them, & then get reimbursed by your insurance co?"

Geico doesn't do that, Tom. I call them, they call a tow co. from their
"list" and take care of everything. As I said in another post, they even
called the shop on their list that they preferred to tow me to, to see if
they would work on my van. Finding they wouldn't, they towed the van to the
shop of my preference, which was another 60 miles back to Salt Lake. All I
did was tip the driver. (he was leaning slightly left .... so I moved him
ever-so-slightly right)

Bob Stevens
'87 Westy Syncro
"Passion Fruit"