State Bank Of India [SBI] — denied claim on b2b car loan by sbi

I am a customer of SBI bank, I have a car insurance. Recently My car met an accident and I had put it for a claim. I had registered a claim on 9.8.17 at Kolkata, my claim was partially denied. I have the following grievances and complaints against the service provider (SBI Car loan deprtment).

1. My car repair was denied citing trivial issues even when I have comprehensive bumper to bumper active car insurance. This insurance in itself means, whatever be the damage to the car shall be covered in insurance.
2. Intimation to me regarding the denial was delayed. I rreceived information on third day, in the mean time I had to suffer as my car was also stationed in garage as per insurer policy.

I am attaching the documents of denial letter from SBI. Kindly look into the matter.

Dr Sunil Kumar
Phone - [protected]
Policy number- 4825479
Claim number - 403151
Place - Kolkata
Date 11.8.17