About ten years ago we had our van stolen in St. Louis. We had switched our auto / home insurance to a new company and the first day in our 'new' coverage was the day it was stolen. I thought our new insurance agent was going to have a heart attack when I called him...lol The police found the van a week or so later, it was trashed on the inside and had been wrecked. We had to wait about a week to see if our new insurance company would cover it as I'm sure they thought maybe we scammed them. After getting the go ahead they were pretty good to us.
The insurance adjuster made a huge mistake by allowing the body shop to start fixing the outside of the van before the interior as it ended up costing close to $5,000 to fix everything on the inside. New carpet, headliner, re-upholster several of the leather seats...etc Should've been totaled out.
Hope everthing works out for you.