I drive my car every single day. I had a rodent who smoldered on my manifold. I’m lucky the car didn’t catch on fire. The car was not totaled but my insurance paid for the tow to the dealership where the whole engine department was checked for damage.
This isn’t something that happens only to cars that sit around.
But to you point in the OP. I would think the dealership would pay you the full worth of the car.