Auto Insurance Claims: claim denied, general insurance agency, physical damages

Question
My wife was t-boned on 09/25/2007 which totaled our car that was paid for.My wife suffered injuries to neck,back,and knee.I live in Texas.The at fault party(police report was taken)was 17 yrs old and driving her dads car.She was licensed and produced insurance.(Lindsay GIA,Old American)We only had liability since our car was paid for.3rd party insurance did the investigation,appraised our car,requested medical records,now they have denied the claim stating that she was not listed on the policy.We were told by our insurance company(which is the same company)that unless she is excluded from policy then they are liable.They have a "super saver policy" and they say it is under OACM.CP.013 it is a different type of policy.We are out a car and money for rental,physical damages etc.. This has ruined our lives.Is there any way to get them to pay?This all sounds fishy to me.

Answer
Hi Kevin,
I read your question within 10 minutes after it was written.
I have spent over 2 1/2 hours on the WWW researching Texas Insurance Law, Texas Department of Insurance, Texas Justice of the Peace Court (small claims)
and have telephoned Old American County Mutual and Lindsay
General Insurance Agency and their claims department.
I am so overloaded with information that it would take another two hours to try to put everything in writing.
Please e-mail your telephone number to me and I will give you a call and then follow-up with a more brief  overview of the the steps you can take to resolve this claim.
E-mail to   chad7of9@aol.com
Sincerely,
Bennie
San Francisco Bay Area 11-28-07 1:05 PM PST