Cholamandalam Ms General Insurance Co. Ltd — Rejection of General Insurance Policy

My Name Is Anita Sanjay Yadav and I filed a claim to 'Chola ms' company for my Husband's Personal Accidental Death Policy cover But this finance company rejected my claims because of a wrong reason. After checking the rejection reason, I Re-submitted the correct document to the company by mail and Mr Jeevan Patil (Company Representative) but still they are not properly responding to me about the current status of claims.
For a few months this company representative has not supported me and also didn't pick up my calls to know for a status update of my claim, they only called me to collect EMI. Company said my husband was drunk alcohol at the time of driving but I Re-Submit a Correct & Legal Hospital Report about My husband Don't consume alcohol or any type of toxic thing at the time of driving to Mr. Jeevan Patil (Employee Code - CF01607), Vita Branch. but the insurance company said we consider only documents which were submitted at the time of claim. After that they will not accept or consider any documents for reconsideration.
It's very frustrating period for my family because my husband not drunk alcohol in his whole life also he was driving since 21 years but there is no single accident done by him. But because the company doesn't want to pay money to us, they planted a wrong allegation against my husband. My husband sanjay yadav paid a policy amount and this company rejected the claims for a false reason.
Policy No 1 (15 Lac PA Policy) company had rejected & Policy No 2 (8 Lac PA Policy) Company Representative Mr. Jeevan Patil said Approve 6 Lac Rupees. The Company sanctioned 1 policy (8 Lac) because of the low amount and declined another policy ( 15 Lac) because of the high amount. But about the Sanction Amount there is no confirmation I received yet. This is injustice to me. Other companies like LIC, HDFC LIFE, HDFC ERGO, HDB FINANCE already settled their claims as per government rule within a time period and their company executive reached our home to sign documents and they are very supportive about the settlement of their claims. But Mr. Jeevan Patil is threatening me and my family to pay EMI of an accidental vehicle and they had stopped my vehicle on toll plaza to recover their EMI. If i want to ask about the claim status to Company Representative Mr. Jeevan Patil he is not picking up my phone call, Mr. Jeevan Patil called me only to recover EMI and when we reached their office he said this claim is not of concern to me, you can file a complaint in court against the company. I can't help you with the claim process because policy has not been taken from me.
If both policies are from the same company (Chola ms) and Mr. Jeevan Patil is working in this company then why he said policy is not taken from me. is it compulsory to take every person to take policy from him in this Locality only to settled claim, if yes then company officials need mention this rule on their policy brochures or their websites. As per my knowledge, if the policy is valid and the customer took the policy from whatever channel, if their nominee wants to claim this policy, nearest branch representatives must have to help the customer to settle the claims. But I know my husband took both policies from Mr. Jeevan Patil Only.
Whenever i was asked about the status of a claim From last 4-5 months to Mr. Jeevan Patil, he lied to me that your both claims are in process, only to recover vehicle EMI. He didn't tell me any information about the rejection of my claims.

Please help me to solve this issue. It will help me and my family financially to recover our financial loss after my husband's death.
As per IRDAI Rule i already mailed to Grievance Redressal Officers of Chola ms Company and they rejected my claims.

Please find below policy claim information:-

Policy No 1:-
Policy Amount :- 15 Lac
Claim Under Policy No :- 3379/02868270/000/00
Claim No :- [protected]

Policy No 2:-
Policy Amount :- 8 Lac
Claim Under Policy No :- 2884/00014532/021/00
Claim No :- [protected]

Personal Information About Insured Person:-
Claim Of Late :- SANJAY BHIMRAO YADAV
Date of Birth:- 01/06/1973
Date Of Death:- 01/08/2021
Occupation:- Transport Services
Address:- At Post - Kadepur, Tahasil - Kadegaon, District - Sangli, Pin Code - 415305

Nominee Information:-
Name :- Anita Sanjay Yadav
Relation :- Wife