New India Assurance insurance company - New India Assurance — ford dealer and new india assurance not settling claim properly

I have a ford figo aspire *.*tdci diesel variant car. Reg number is mp **gf **** on named kamini shukla. I met an accident *month back n yet after * month i haven't got my car because of car dealer n insurance company claim settlement, at the time of taking insurance policy from the policy bazar.com aditya birla n new india assurance company executive said u will have cashless n hassle free claim settlement, there is no need spend money anywhere. But at the time of taking claim all the drama started from the first day, they said it's not zero depth n u will have to bear **%cost of total amount, n the total amount which is *lack ** thousand u will have to pay the ford dealer first then we will reimburse the ** % amount after * month to your account. Each n every day the insurance company badly tried to maximum bearable amount could be paid by the customer by giving daily new rules regulations n policy norms. I just fade up with the ford dealer shree sai ford jabalpur n new india assurance company. Please help me. N i wish this kind of insurance company has no right to do insurance of any kind of vehicle n human being. Irda n consumer forum should strictly cancelled his licence n dealership from shree sai ford as well.