Maruti Insurance — Claim not settled by surveyor

Address:

313001

My car rj27ce2773 is damage under body by some stone or hard material but surveyor doesnot approve claim for that and behave rudely with me on phone.
He said you have intenally done but i was not doing anything with this.
How can i justify that it is totally fraud with me.I dont know why stone doesnot touch other places, may be stone break after accident.
Accident happen in night so i am not clear about stone or road hard material.