Toyota — not getting my car

Address:

Gurgaon, Haryana, 122050

I have given my car toyota etios liva for body shop work due to accident which i have mentioned in the form at the time of handing over my car to grace toyota, jaipur highway, a week before. The survey has been done and on delivery day when my car is ready they are saying that the policy cannot cover up the amount and the grace toyota has been billed me rs. 16000/-.
Why they have not intimated me earlier? Now they are not giving my car.