I you have full insurance I believed, The insurance company have to pay all repair expenses.

BUT I'm comfused, about this insurance rules I got same experience before when I bring it to the dealer for quotation they mentioned to me the same thing that I need Pay 50% for the parts, and the police also told me about this because my Car is out model 2007 even if I have full insurance. If that is the rules its useless to get full insurance when you have old car.

By the way you have to find a atleast better Garage because most of them is sucks.

Hope someone from QL will clarify and prove this.