My car was insured with king price, my brother was a regular driver, he was involved in car accident where he lost control and pumped someone 's house, by fearing of mob justice he ran away n left the car there

My car was insured with king price, my brother was a regular driver, he was involved in car accident where he lost control and pumped someone 's house, by fearing of mob justice he ran away n left the car there. The next day went to police station to report the accident and also repirt it to King Price. King price never paid the claim on basis that he left the accident scene without police authority, n his reasoning was that he it was late n he damaged someones house which he thought the people might attack him as this happened in the township.