Urgent: Progressive Found My Missing Car At A Tow Yard After Cbp Detention, Now Trying To Deny Theft Claim And Leaving Me On The Road By Myself With $2,500 Deductible/fees. Hardship, Need Advice!

I am in an absolute nightmare scenario and desperately need advice from adjusters or legal experts.
Two months ago, I was detained by Customs and Border Protection (CBP). My Black Hyundai Ioniq 5 was left at the scene and completely vanished. I received zero seizure notices, zero receipts, and local police had no records. I lost my job because of this and fell 2 months behind on my loan payments with Ally. I sacrificed everything to keep paying my Progressive premium because I relied on them to help me.
Today, Progressive messaged me saying they located the car at a private lot called TICTAC TOW.
Because it’s at a tow yard, Progressive is pulling a massive corporate loophole: they claim they cannot consider it a theft/stolen property claim anymore. They told me I have a $2,500 deductible, they refuse to retrieve the car from the tow yard, and they told me I have to go pay the fees and recover the vehicle by myself.
I am completely broken, dealing with severe financial hardship, have $0 to my name, and cannot get a loan. Progressive telling me to go get it myself feels like leaving me handcuffed on the freeway. They are now saying they are "investigating what happened" before doing anything else, while the tow yard is racking up massive daily storage fees in my name.
Can Progressive legally drop a missing vehicle/theft claim just because CBP incident ended up at a tow yard?
If I do a Voluntary Surrender directly to my lender (Ally) right now and give them the tow yard info, will my dealership-bought GAP insurance eventually wipe out the remaining balance once Ally sells the asset?
How do I stop Progressive from forcing me to withdraw or drop this claim?
Any guidance on how to handle the total loss department or the lender under extreme hardship would save my life right now. Thank you.

Location: San Diego, CA