The insurance company wants to tow my totaled car away, but we haven’t decided on a value.
This is common after a total loss. The insurance company gets charged storage by tow yards and body shops for total loss vehicle they have on site. The carrier is trying to minimize cost by towing the totaled vehicle to a facility that doesn’t change storage AKA their facility. Even if your vehicle is towed to an auction yard, this doesn’t mean you have to or have accepted the value they have offered you.