Ray Insurance Delays My Egea Sedan Total Loss Payment After Accident

On August 30, 2025, I had an accident with my 2019 Egea Sedan and although I have full coverage insurance with Ray Insurance and a claim was immediately opened (File No: 10402502549), the expert declared the vehicle a total loss, yet the company keeps saying they cannot make a final decision and are still awaiting approval; despite repeatedly contacting customer service, I am told they still cannot decide whether it will be totaled or repaired and that the file remains under review, and since they suggested it would be a total loss I was also denied the right to a replacement vehicle, but even after a month no final decision has been made, leaving me aggrieved, and while no payment has been requested due to my comprehensive policy, I continue to face uncertainty regarding the fate of my car, so my expectation from Ray Insurance is that the claim be finalized by the end of the month at the latest and the current market value of my vehicle be deposited into my account, as I demand my grievance be resolved without further delay.