Called 2 days later to get a rental car and was told that our rental insurance was on a reimbursement only. We pay for the rental car and they would reimburse us when we submitted a final bill. When I complained that that was not the way that rental insurance worked I was told that it was stated that way in our policy. When I told Lindsay that I never received a policy jacket where it was stated that way I was emailed a copy of the policy jacket that I never received from getautoinsurance.com.

On 12/10 Lindsay wrote a letter stating that I needed to have the vehicle moved to where it would not incur storage fees as they would not pay for any storage fees from that date onward. I had the car moved to our horse ranch. I paid $715 for tow fees incurred on 12/8 and then again on 12/10. Lindsay would not pay for the second tow because they only pay for one tow.

It took 14 days for Lindsay to get an appraiser to look at the car. It only took 1 day after that for Lindsay to send a tow truck to pick up MY car and take it to their facility. I was told that if I did not give them the car, they would not pay for it. It took another 6 days for the appraiser's report to reach Lindsay's Georgia address. Speak with your assigned adjuster? Out of the question-all you ever get, no matter who you call-was voice mail.

I needed a letter stating that Lindsay was totaling the car. That took an act of God and speaking with a snit of a supervisor. I finally got the letter where it stated that my 05 Chevrolet Cobolt was a total loss with a list of outrageous figures about what they would pay for a car that was not even mine (our car was an 07 Chrysler Sebring). When I finally got to speak to my assigned adjustor, she admitted that she had made a mistake on the year, make and model of the car but that the figures was that belonging to my Sebring. They were taking off $780. for prior damages, which included stains on the rear seat, cracked windshield (which was done in the accident) and a dented rear bumper (which was not damaged at all).

Claims adjuster claims that she mailed a transfer of title, to be signed and returned by USPS before the lien holder could be paid on 12/23. On 12/27 I finally got her on the phone and told her she had lied because no transfer of title had arrived. She now wrote a letter dated 12/27 and actually mailed the required transfer title paperwork. I arrived on 12/30. The check would not be sent to the lien holder until they received our signed transfer title. No check copy to send to our GAP insurance carrier, no final payment from them.

I wanted our tow money. I asked when they would pay for this. I was told that the check was cut on 12/29. I called every day, from 1/3/11 onward inquiring as to where their check was and was constantly told that it was mailed on 12/30. I called her a liar because mail only takes 2-3 days from Duluth, GA to Friendswood, TX. She told me that she was not responsible for the US mail. When the check finally arrived on 1/6-it had been postmarked on 1/3, not 12/30. They did not pay for the tow that they told me I had to have in order for the car not to incur any more storage fees.

The man, whose truck I hit, calls me every day wanting to know when MY insurance company is going to pay for his truck damages. Lindsay sent us a letter, postmarked 12/30 (it arrived on 1/3) stating that they had settled their claim with him. Their response to him is the same as to me-LIES and then more lies. They are claiming that they mailed his check on 12/30 and on 1/7, it still has not arrived.

I filed a complaint against Lindsay with the TX Dept. of Insurance on 1/3 and faxed the so-called claims adjuster at Lindsay a copy.

If you don't want an insurance run-around and also having to deal with stupidity and incompetency -do NOT ever get insurance through getautoinsurance.com. or Lindsay General Insurance Agency.