Car Damage Policy is a Ripped Off!

The car damage policy is a ripped off. The counter staff told me any damage larger than a 50cents coin regardless of fault, I have to pay A$4400. This is utterly unfair and the costs of repair may be much less than that but still I have to pay that amount. The staff told me this is how it is. I had no choice by to buy the comprehensive insurance which is almost equivalent to my car rental price. The counter staff directed me to pick up the car at the parking lot to meet the person checking the car. She didn't call and end up no one is at the parking lot and we have waited 15 minutes and walk all the way back to the counter and she did checking herself finally.