I had a policy for Scratch and Dent, upon having a minor bump with unknown diver and sustaining few scratches and a Dent

I had a policy for Scratch and Dent, upon having a minor bump with unknown diver and sustaining few scratches and a Dent. I made a claim after 16 months of paying premiums my claim was rejected with just that "The claim exceed minimum amount " . Why was i paying for this and why should i continue paying for this unless policy it's of no use 😒