National Insurance Company — insurance claim rejected.

Address:

East Singhbhum, Jharkhand

My self ranjit jana, national insurance holder for maruti swift dzire car no jh05be 3556, jamshedpur, policy no[protected].
I had meet an accident on 23/10/17 at near 2.30 pm, location in front of cisf security main ucil colony gate where the area under cc tv coverage.
When i had drive out from colony, one alto car come form out side and try to enter colony, that time am try to avoid collision and take full left turn and my front right wheel goes maximum angle out side and the alto car hit on right front wheel. Alto has got damage her bumper and light but on my car has no physical damage, except little bit fender bending.
After this, when i drive on road, feel steering got hard on right side where as left side moved freely.
Send the vehicle at motor world mango showroom and found steering rack become damage and claim for insurance.
Mr m d sukla from your company had invested the vehicle. As he did not found major external damage, then reject the claim.
Then i had talk to him for clarification for rejection and asked
1. Why right side steering become hard where as left side ok, he reply it happen due to wear and tear of steering rack.
Now question is, one rake has 50 % length got wear out only right side at age of 2.5 year of vehicle and left side has no wear and tear which is impossible as technically.
Then he agree to dis melting and then checked.
After dis-melting it was found right side rack got bend, inside tube. Other all under side parts, column are found ok.
Now after that observation mr. Sukla deny claim and said no external damage no claim.
But he could not able to reply the cause of bending of the rack column where all others are found ok.
He stupidly says no external damage no claim where as all technical guys are agree for damage cause.
I have lot of photos of bend rack after dis - melting for your easy reference.