Hdfc Ergo General Insurance Company Ltd - Accidental bike claim amount not received

I have met with an accident on ** Aug **** while coming towards my resident in Meerut Cantt Area between Railway Phatak and RAM Canteen Road. In that accident I got some minor injury in my leg and shoulder and my motor cycle badly damage. At the time of accident I fall down and my motor cycle bump into the road side made with bricks/stone, due to this motor cycle damage at many places including front, rear and also oil tank damages. In spite my repeated request Insurance company i.e. HDFC Ergo not accepted my claim suitably, as the external surveyor submit report without consulting me. He also says that the accident is not take place at the place where I have written in my claim form. After my long enquiry, in which I have asked whether Oil Tank, Murguard and Shocker such type of parts are covered under Insurance or not, he replied as under through mail:-
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javed ali <jachauhan**@gmail.com>
Attachments
Thu, Nov *, *:** PM (* days ago)
to me, nagesh.tyagi

Dear Sir,
As per your demanded said parts
(i) Fuel Tank of Motor Cycle.
(ii) Rear Light and Tail Light alongwith fittings.
(iii) Rear Murguard.
(iv) Shocker of Motor Cycle.
(v) Wheel Alignment damage due to Accident.
As per claim form submitted by you the cause of loss is a person coming from wrong side and collided with your vehicle. So above parts disallowed because said parts were not fresh in nature and does not corelate with cause and nature of accident.
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