on 4/27/09 my car was flooded and sat for 2 1/2 weeks with water/moisture in it and b/c the tranny and engine are ok, my insurance company says it's not a total loss (2009 camry). the car is 100% NOT FIT to drive due to extreme health hazards. they paid for some of damages or what they 'think' was enough. but there is physical evidence of mold and rust inside the car, as well as the moldy mildew smell. they refuse to believe any of it and will not do anything else with my car, though i have several witnesses who have smelled and saw the evidence. what is my next course in action and who or where do i start? ive contacted several public adjusters and none of them deal with automobiles. ive read through my insurance policy and there's nothing in there dealing with any sore of arbitration.