That's normal, cheap even. Last time I had to claim mine was at 40K just for fixing the front bumper.

If you want it cheap you can scout elsewhere, pero covered na ng insurance and maliit lang participation compared to getting it elsewhere - sayang yung binabayaran mong insurance premium annually if you won't use it. Just my .02.

A bit of a tip though not applicable to all: ba't mas mahal? Porsye-porsyento lang yan between A and B... hehe read between the lines na lang. ;-)