My wife was rear ended on a highway in Mass, sustaining moderate rear end damage to a 2012 Volvo S60. The accident blew out the rear window. The driver at fault evaded, was arrested and of course, has no insurance. The local company towed it to their yard, where they left it uncovered and then it poured for a day. It was towed to a shop in CT, where we live for repairs. The insurance company initially denied it being wet, but after seeing it myself - it's soaked. Two weeks later, there's still standing water in the car. They're saying they'll simply dry it out and not to worry about it. I'm concerned that everything has been exposed to moisture and will develop numerous electronic and corrosion problems, not to mention mold, mildew and being generally musty. I'm pushing for it to be totaled, but they're refusing so far. The value is about $30,000 with repairs (not even mentioning the water) presently at about $13,000. Thoughts? Thanks for your help.