Maruthi Car Accident – Fixing The Parts-?

i just got my maruthi 800 repaired after a small accident- someone hit and ran while i was on traffic …
2006 model-
got bajaj auto insurance.
was told
body is covered only 60% and
fibre part only 50%
is that true..is there anyway i could get fully covered…
can we ask for discounts on the amount we had to pay..this is with cars india

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