Does Budget Ever Pay Claims

I have a dents and scratched cover with budget. Last year I made a quotation and it was rejected because it was more that what im covered for. Yesterday I made another quotation from a different place and it was also more that what im covered for. What puzzles me is that I cant go to any other RMI approved panel beater but I must go to their own Auto Magic which is expensive all the time. Why must I keep paying if my scratches cannot be fixed? WHY? Im even wondering why cant half the work be done which is within the cover then the rest later? Is it just a money making scheme?