...But at least we have rental coverage, because the Toyota dealer wants $350 to remove the carpet and "let the car dry out for a few days and fully assess the damage" so we won't even have any idea how bad they think it is until Thursday/Friday.
They called my wife and gave her the impression they were going to just take the carpet out and clean it and give us the car back, she was like
so she had me call.
I told the guy it's covered by full coverage insurance and there was water up to at least the top of the seats in the interior, and to please find as much stuff wrong as possible because we don't want the car back.
Wife is set on a new car either way, if insurance won't total it and we have to dump this one off at Carmax we're good.