Business ProfileforMain Street America Insurance

I was rear-ended by someone insured by this company, hard enough for my vehicle to be a total loss. The claim was filed timely enough, however, it took a couple days to hear from a live person, several more to get a status update - meanwhile, I'm left hanging without transportation, totally in the dark - until finally, after more attempts to reach out, I get a call back from the adjuster only to tell me that she cannot pay me the assessed value of my car because her insured has "limits," and she also has to worry about the cost of fixing HIS car. She can't tell me what those limits are, of course. I was given two not ideal options - go through my own insurance to be made whole, or accept half the value of the car but that's it (no rental car, and I also have to figure out how to move and handle the totaled car, etc.). What kind of policy has such low limits? My brother's liability-only insurance policy covers up to $100k! This group can't pay me $25k and put me in a rental for a week while I try to find a new car? She was really condescending too, like she was speaking to a child, and kept asking if I understood her and did she need to repeat anything because she can tell I don't do this every day. I'm absolutely livid at how this was handled and hope my insurance takes them to the cleaners during subrogation. This is not the way to treat a victim.