I just got back about an hour ago from a vehicular accident. An FX swerved to cut me and in avoiding, i collided with another car. The damage included my right front wheel preventing me from driving the car home. I suddenly remembered that my insurance carrier, Malayan Insurance, gave me a sticker with a number to call in an emergency. I tried it before i called a tow truck. The phone was answered quickly and after some details were given the person called for an affiliated towing company and i was towed home after 30 min or so. The towing was free and the staff were very professional. They kept calling my cell to check the status while i was waiting. If my future children were to drive someday, i will make sure i get their insurance from Malayan Insurance. I would recommend them to everyone i know.