As far as I know you just have to pay minimum amount written on your policy according to your agreement for full insurance. So first of all check your policy and check the written amount for the minimum damage amount (mostly according to the insurance value of your car its supposed to be 500,750 or 1000 QAR). And instead of wasting your time here you can call directly your insurance company and ask a professional.

Hope it wont cost you too much buddy.