Bajaj Allianz — denying car accidental damage claim

I have raised the claim on dated 18.12.19 for front bumpers and side running boards though on fishy grounds it was denied stating that damages were not co-relating the facts and why not provide us access to on-spot investigation of accident site. The area where damage taken place is hilly area of dehradun and mostly out of network coverage further its a narrow zone and traffic was moving, hence, i have to remove the car from accident place to allow the traffic to move.in their reply it seems they were expecting that i should leave my family and car on accident spot and than travel to network zone, inform them and wait for their inspection. Ridiculous.

Even their customer care executive used threatening and harsh languages while speaking on phone, one of customer care executive says tell your story (He was given me impression that damage i did by my own). On later date another gentlemen mr. Amit saxena told me that your car was damage due to rusting. Whereas clear dent and scratch mark were visible and regarding front bumper which was fully taken out (At another incident) and tighten thru screw at nearby garage, he told me why you didn't come to us with taken-out bumper. How this funny reply is? You have to correct the damages regardless when and how it happened. For that you are collecting hefty premiums and now running away from your obligations.