HDFC Bank Ergo General Insurance — Car hit in stone pelting

Address: Srinagar, Jammu and Kashmir, 190021

Website: Hdfcergo

Hi
I am owner of Toyota Fortuner 4x4 Automatic. My car came is stone pelting in Srinagar three times and accordingly I informed the hdfc ergo and got registered my all three claims well in time.
Due to shut down and disturbance in valley could not repair the vehicle. I received the letter from hdfc ergo that cases are closed due to docs not submitted whereas proper survey happened all three times and I submitted all required documents and accordingly I sent Mr.Naveen Munjal a detailed explanation regarding the same but they delayed in opening my cases again and just fifteen days back they told me that cases are opened and accordingly
I gave my car for repairing as they told me on telephone for the same but now they are refusing for one claim as they are ready to pay first and third claim but are doing tantrums in paying second claim as that time when stone pelters hit stones on my car, some stones got hit on my sons head due to which my attention was distracted and my car got out of the control and got banged with the front vehicle in which my cars front got involved and damaged and same time motorcycle hit my vehicle on back side also as the front vehicle some Tata load carrier has a rod outside with body which got pierced in my car front tyre due to which I could not move the car and same time they started hitting and breaking my car from all sides.
Same incidents were bought into the notice of hdfc ergo seniors also but they are also trying to escape the situation saying that it not relating with the situations as I think they are not understanding the situation especially when someone's family is also in car and what impact comes in the mind of kids suffering in the car that time.
Secondly I had a zero dep policy in which I could register as many accidents (infinity ) without any problem and I just needed to pay 1500/- bucks each then why I should take risk of making false cases or mixing four or five cases in three.
So I request to please help me out of this situation as I'm suffering a lot without my car.
I will also wait for couple of days for hdfc ergo to respond and solve my problem otherwise I will only left to move to consumer court or... for justice.