Re: Explorer - 1. Crossfire - 0.
Check out the possiblity of a "diminished value claim". This claim is filed to try and make up the difference between what your car was worth prior to the accident and what the damage cost you in the resale/trade in market. Some insurance companies are doing this, I was involved in one a few months ago. Clients car was hit while parked and we paid a certain amount. The value of his car was diminished and he filed the DV claim. As I remember he got a couple of thousand dollars more. I think Andrew (the forum mod here) had one too, not sure what became of his. Good luck with your claim.
Pat