Is there a limit to what insurance will pay for minor damage (scratches on a rear bumper) on a 2002 vehicle? 
When you file a claim the insurance company will determine the amount of damage . They policy will pay up to that amount . If you feel that the amount is inadequate you are entitled to appeal the adjusters decision . Usually the company that makes the estimate is ready to do the work and many companies will guarantee that work for a period for a period of time . 