Insurance regulations

Dear Forum members,

Appreciate if any body can guide me the regulations of insurance companies in Doha. 

I met with a sewer accident last week. Police has clearly decided that the other party was guilty and has issued me the documents for the repair of vehicle and the insurance papers of the other party. Now the problem starts here.

• Insurance company does not accept to repair the car from the agency since this is year 2000 model, although I have always maintained this car from the company.
• Even if I agree to get it repaired out of agency they still wont pay more than 50% of the repair cost. Since this is a major accident, the repair will cost approximately QR 15000, which means I have to bear the cost of QR 7,500.

 May I ask you guys to advise me what does the traffic law in Qatar states about this kind of insurance. I have searched on various websites but can not find any useful information. 

• Why should I pay money if this is not my mistake at all?
• What is the purpose of getting the cars insured?
• Why should I suffer to be carless for the whole time of repair period which is going to be at least 1 month.

 Please guide me if any body has information about the insurance rules.