Rejection Reason: Damage Due To Indemnity Limit

Good day good people. My vehicle, a Toyota Etios was involved in an accident on the 19th December 2020. The vehicle sustained dent and scratches on the lower part of both the driver and the passenger's doors. I sent a claim on the 22nd December 2020. On the 31st I received a rejection letter from the insurance stating the reason of rejection as ''Damage Due To Indemnity Limit''. My query is that if why cant they repair the vehicle to the value that they claim to be appropriate because i have been paying without any break. What is going to happen to the money which i have been paying? This cannot be fair.