Engine Mechanical problem
1995 Ford Explorer 6 cyl Four Wheel Drive Automatic 150000 miles
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is there an access panel on a 95 explorer for easier pump installation?

Nope, sorry you have to drop the tank to replace the pump.I do advise buying a good pump (Motorcraft or A/C Delco) or you may be right back in there again and replace the relay and filter while you are at it