National Insurance Company — non-cooperative and misguiding agent

On June 30th 2018, I met with an accident on my two wheeler. My scooter was hit by a car after which it rammed against a public bus resulting in scratches, damaged body, breaking of mud guard, horn not functioning etc. After a couple of days, I called my agent to know the procures of placing a claim with the insurance company for my vehicle. I was told that since the vehicle is 4-year-old, so I'll not be getting any claim amount and I better get it repaired from any local mechanic. Now my question is - notwithstanding the age of my vehicle (which is just 4-years old), as long as I've valid insurance papers why can I not place my claim? why is the agent misguiding me and not giving me proper information related to my queries. I'm a 74-year-old retired person and it's really not possible for me to run after mechanics to get my scooter repaired. At the time of selling the insurance the agent comes knocking at my door and at that time he's very punctual. Then why not now? Does the agent's responsibility hold good till the time he/ she can sell an insurance policy? Is there no after-sales service involved? Please help