HDFC Bank Ergo General Insurance — claim rejected by the hdfc ergo motor insurance

My car insurance claim was rejected by the hdfc ergo motor insurance company. On 15th november my car caught fire due to fire crackers and i registered a claim. We have received your request for policy [protected]. Your request number 26324120 has been registered with us. Thank you for calling hdfc ergo. The surveyor came and took pictures at showroom. And i also showed him the cctv footage. Next i met the assistant vice president of hdfc ergo south. He said that he would be get back to me and next day when i called him, he said my claim was rejected due to my negligence.. I was shocked and disappointed. I'm going through lot of mental trauma and huge loss of my hard earned money. Please kindly help me.