Rejected Claim

I took at a BMW cosmetics cover. This cover supposedly covered the vehicle for minor scratches, minor rim damages, and other small items. I have paying for this product promptly for the last two years. I submitted to have my rims polished as they had scratches from potholes s****ing. The agent received a quotation from a bmw repair shop, and they said it was too high. They then referred me to a workshop that repairs mags. The quote I received there was even higher