Accident Case:

1. A tricycle hit our 3 years and 4 months old Fortner last week. Tricycle is at fault.
2. Two doors at our car's side dented and scratched.
3. Got police report and the tricycles license and OR/CR.
4. We settled for the amount of 5000 pesos.
5. Called Prudential Guarantee in-house insurance of the casa dealer.
6. Told me that the supposed participation fee of 3000 pesos is no longer applicable if more than 3 years old.
7. Told me that I had to pay 30% participation fee of the total costs.
8. Assuming that the total cost of repair is 50,000 pesos for the dented and scratched doors, it will mean that 15,000 pesos will be my participation fee.

Question:

Is the above really the correct procedure? If that is the case then what if the damage is much bigger? Despite having insurance it will appear to me that I will still have to shell out a large sum of money.