My car insurance policy from phn pe

Dear with hard earned money my mother bought a xuv 500 2019 it cost us around 19lakhs during this period i have done 2 insurence policy from phn ne n they r not providing ncb on 2024-2025 policy and 2025-2026 policy they have given 50%ncb on jan night time we meet a horrific accident due to fog now the dealer quated a amount of 5lac14thousand after five month the dealer called us and told us to pay 8lacs and when we aproach insurance company for total damage of value 7lac12 they r denying it because of wrong ncb its their work to verify all documents and give proper insurance they r denying to give it while its their work not mine both phn ne and insurer making us go here n there so i decided to do atma dah in front of the insurance headquater inqulab zindabad as i lost so much money hard earney every penny taxed my 19lac rs car has become a 0 RS CAR