HDFC Ergo General Insurance — company not giving insurance compensation as per damage

Address:

Near Sidhant Hospital, Sai Road, Baddi

In accident my card damage from front and back

Company only Giving front bumper, left fender, front grill and fog lamp.

Rest of Items refusing,

My radiator assembly in Engines inner part and it was damage due to accident
and backside bumper also damaged in backside car Hit

form ore than 7-8 years i Took insurances form companies and now when in accident, Companies behavior like this

Its so unethical and irritating

Instead of these companies i think its always better to took insurance from online companies which is more less than 60-70 percent

its so bad and disappointing for me

if parts are physical loss its your responsibility to fulfill loss,