Toyota — Toyota Camry Hybrid

Address:

Mumbai City, Maharashtra, 400011

I have a two month old Toyota Camry Hybrid. This went through a puddle and then stopped at an intersection to Toyota Madhuban dealership at Kurla W.
The dealer refused to repair until the insurance firm authorised opening the vehicle for repair. I have asked Toyota 1, why I need insurance when the 2-month old car is still under warranty 2, I need a relief vehicle since the dealership us unable to tell me when I will get the car back, 3, to clarify whether I need to trade down to a cheaper Toyota because this premium car has not been able to withstand a puddle before the monsoon has even started in Mumbai !