DOI Complaint After Insurance Company Totaled a Brand New Car

I’m in Illinois and have a 2025 Tesla Model 3, about six months old with under 6,000 miles. My fiancé was rear ended (I was not in the car). He is on the insurance policy and it was the other drivers fault, which the other driver admitted, but they ended up being uninsured. My Insurance company declared it a total loss even though:

1. No one from the insurance company has ever physically inspected the car. They based the decision entirely on a few exterior photos. The car is still in my possession.
2. They decided to claim “hidden frame damage” with no proof. They said “the gap between the rear door and quarter panel is narrower at the top,” implying a bent frame. The photos show even gaps; it’s just light and shadows.
3. I am able to drive the car and it drives straight. It tracks straight, no vibration, no creaks, and only a minor drift that’s totally normal.
4. A Tesla-certified shop gave a repair estimate after actually inspecting the car of $17K. They did not find or note any hidden frame damage. My insurance company ignored that and used their own “internal” estimate based on photos for 20K.
5. They rated the interior as only “Good” even though they’ve never seen it and have no interior photos. It's a brand new car, the interior is pristine.
6. Even with the adjusted ACV and their inflated repair estimate, the math doesn’t meet the Illinois Total-Loss Formula. There are also no comparable vehicles anywhere near my area. They sent "comparable" vehicles that were 1500 miles away. This is the first car I've owned that I actually truly love and enjoy driving. The cost to get a car that matches mine would cost thousands after all the fees, taxes and shipping costs and I'm already paying the max I can afford.
7. Most importantly, when I asked them to verify their "findings" of hidden frame damage (impossible to do without inspecting the vehicle), they told me I’d have to pay for a teardown inspection myself if I wanted to confirm it. They asserted the supposed damage, they’re supposed to verify it.
8. I filed a complaint with the Illinois Department of Insurance for improper claims handling, citing their lack of inspection, unsupported total-loss classification, and failure to follow the total-loss formula.

The insurance agent has been very nice and prompt in her responses and I don't think they're in any way trying to screw me over. I think my insurance company has just decided it's easier to just total the car which, whether they're trying to or not, does screw me over. The car is fully drivable, safe, and clearly repairable. I just want it fixed, not a higher settlement offer and not totaled. This has been an exhausting month-long fight. I'm 7 months pregnant and can't take the financial hit or the stress that will come with having to find a new car before baby arrives.

Has anyone else had an insurer declare a total loss without a physical inspection or proof of frame damage? How did you get them to back down? Did DOI complaint work?