Do I have a case for arbitration against my insurance co. on a theft claim?

My vehicle was stolen 8/15/17, and Geico, my auto insurer, was in process of fulfilling a Total Loss Claim. I had signed, with a notary, and sent back a title transfer and an affidavit to pay my finance company. It was sent next day air mail but it was over a weekend, so wouldn't receive until the next Monday. The vehicle was then recovered and I was notified, the next Tuesday. But because of some foot dragging on Geico's end and my claim representative being absent that Monday, nothing was processed and payment was never sent. So now, they want to repair, and to be honest, I think I'm getting screwed. The vehicle was in excellent condition prior to its theft, and bruised condition upon recovery. Between 4000 and 6000 miles were driven on the car and lots of body damage. Along with maintenance issues. My questions are: 1. Shouldn't wear and tear be covered? 2. Shouldn't they honor the legal documents that I signed and returned to them?