The insurance company sent me an appraisal, told me to have the garage start repairs and now they''re telling me my claim is under investigation.

I parked my vehicle on the street in Brooklyn, NY at approximately 11:30pm Friday evening and returned to it on Sunday, at approximately 6:30pm. It was pouring rain so I jumped into the vehicle without walking around and doing my usual inspection and began driving back home to Massachusetts. I notice the vehicle seemed to be running a little hot but I figured it was the distance. The next morning at 6am when I attempted to drive the vehicle to work I was having difficultly accelerating. The vehicle was taken to a shop who said it was probably a leak in the transmission. I checked in with the shop the next day (Tuesday) and they informed me the vehicle had been hit. They quoted me a price of $800 and suggested I go through insurance. A claim was file and an appraisal done. The insurance company now has my claim under investigation. They don''t know how I managed to drive the vehicle all the way home to Massachusetts. Do I have any recourse if they refuse to pay my claim?