BAJAJ ALLIANZ AND TATA MOTORS - NO DEMARAGE AFTER ACCIDENT

SIR ,
I,TUTUL MONDAL OWNER OF A TATA INDIGO MANZA,A HAVE MADE AN ACCIDENT ONE MONTH BEFORE ON NH2 ,MY CAR CRASH WITH A TRUCK AND AFTER THAT FOR TRYING TO CAUGHT THAT TRUCK I DRIVRD MY CAR 15 KM APPROXIMATELY,AT THAT TIME SOME SMOKE COMES OUT FROM CAR BONET,SUDDENLY MY CAR WAS STOPED,I CALL TATA SERVISE CENTER THEY CAME AND TOUCH MY TO WORKS SHOP.I HAVE A BAJAJ ALLIANZ INSURANCE FOR MY CAR ,BUT WHEN INSURANCE INSPECTOR CAME AND SEE MY CAR,THEY SAY THEY ARE GIVING COMPENTATION FOR EXITIRIOR DAMAGE ,THEY DINIED TO GIVE ANY CLAIM FOR ENGEEN,BECAUSE THEY SAY I DRIVEN MY CAR CARELESLY AFTER ACCIDENT,SIR I ASK U,WHAT SHOULD U DO ?AFTER ACCIDENT IF MY CAR IS MOOVING SMOOTHLY,OVIOUSLY I WILL DRIVE MY CAR TO SERVISE STATION.THEY SAID AFTER THAT ACCIDENT MY CAR COOLENT IS LIKED AND ENGEEN WAS HEATED EXTREMLY AND SEASED AND I HAVE TO SEE THE LIGHT WHICH INDICATE ENGEEN IS HEATED OR NOT ON THE DASH BOARD,BUT AS FAR I REMEMBERED THER WAS NO LIGHT ON DASH BOARED,BUT FOR THIS THEY ARE DINED TO GIVE ANY MONEY,ANY TATA MOTORES ENGEENER SAID I HAVE TO PAY APPROXIMATELY 200000 RS AND TATA MOTORES SAID THEY ARE NOT RESPONSABLE FOR THAT,SIR I AGAIN ASK U,IF CCOLENT IS LICKED FOR ANY REASON AND MY HEAT METER IS DAMEG THEN A CAR WORTH 500000RS IS DAMAGED?AND I DONOT GET ANY DAMAREG FROM ANY BODY?THEN WHY I PURCHES AN INSURANCE WORTH 14000RS?SIR PLEASE PLEASE PLEASE HELP ME