Future Generali — Motor claim wrongly denied

Recently my vehicle was met with the accident and there was damage to the back Bumper, Dicky and front glass. The insurer surveyed the vehicle but has reduced the claim citing absurd reason. Kindly note that my policy is covered in zero dep but the insurer Mr. Vishwanath Pratap Singh is refusing to acknowledge anything and has reduced the amount significantly. He says that front glass will not be provided, back bumper can be provided but they will not cover claim for paint in the back cover new dicky. Also, upon asking he is giving excuses that this is as per policy. Requesting to please settle this matter as it is gross violation of consumer rights and also blatant disregard for already laid rules and regulations