Fire in tata nano car

Our vehicle got sudden fire on 12/2/17 midnight at 2 am. My friend intimated me about this incident .showroom of tata nano are not ready to pay any damage. Insurance co. will pay claim only 50%. Y I should pay remaining amount? Company should bear remaining amount. If I was there in that vehicle with my family , who would have been responsible for this vehicle. I want compensation from tata nano company