[Resolved]  Reliance General Insurance - Car Insurance — Cheating by sales agent & utter negligence of company officers to pay any heed in resolving the matter

I was handed over the cover note on 18th or 19th May after i agreed to pay the premium of Rs. 14, 000/- Never during the entire process i was told that the discounted premium comes at a cost of voluntary deduction clause totalling to Rs. 7, 500
I met with an accident on 15th June at Indore, MP (till this time the policy is not delivered to me and i am completely clueless that by taking this policy what mess have i entrenched in)
I called up the call centre for logging the claim but was informed by the agent named Ranjit that since systems are down so he cannot take my request and asked me to call back later (believe me this was only the beginning of what was to follow)
I had to call up one of the senior person at cal centre to help out. Only then i was called back by the same agent who registered the claim and also gave me the address of a local garage at Indore where i could get the car repaired (cashless i.e.)
I also called up the sales agent at 8.30 am on 15th June. The person assured me that once he gets in at his office he will make sure that the car is surveyed and the repair is done (cashless again). I spoke to this chap once again after 30- 40 minutes to check the progress. He said he is trying to get the details of someone in MP. After this, through out the day i kept chasing him for an update but the guy did not answer any of my calls.
At 10.00 am i reach the garage only to find out its a Huyndai showroom and they do not deal with Tata cars or spares. (oops). The Huyndai chap gives me the number of Gaurav Athawale (regional claims officer Reliance general insurance company at MP). I called him and on his advice i visited Krishu motors, Indore, who agreed to do the job. They took all the required documents and assured me that the job would be over by evening. I handed over the car to them and moved out thinking that the worst is over. All this while no one had told me that this is not going to be a cashless affair (forget cashless, i am not even entitled for a claim)
At apprx. 4.30 pm, 15th June, the local garage staff called me to come and see if the work done is upto my satisfaction. After reaching there, finally the bombshell is dropped that "Mr. Pathak the policy you have taken has a voluntary deduction clause of Rs. 7, 500. So please pay the money before you can take your car back". To say the least, I cannot describe it in words what i felt at that point in time.
All this while i kept calling the sales agent with no revert from his side. He only messaged me once in the afternoon stating he has been in and out of meetings so could not take my calls and will call back once he is free. (I still have that message in my inbox for verification if needed.)

Ever since then i am following up with the top brass of RGIC, but till date there is no concrete answer i have on the entire episode. I would not have taken the policy after knowing that with this clause the policy will cost me 21, 500 instead of 14, 000.
Please let me know what action can be taken in such a case against the company and its officials.