Localrent scratches policy?

Hi all, please excuse me if this is dumb but I’m very stressed about it all.

I rented a car via localrent as it was recommended by a few travel blogs popular in my country. I bought the additional 70€ SCDW insurance.

Today I was trying to turn back on a narrow street and I managed to back up into a low wall and scratch the back bumper (it’s not too deep but it’s obvious and noticeable).
My first thought was "phew, I’m so glad I bought the insurance!" But the terms and conditions are written in a way that I don’t understand.

I feel so stupid and defeated. I feel my whole stay here is ruined now as I’m just thinking about however much money I will have to pay for being stupid/blind/blonde/all of the above lol. Could anyone explain this to me in simple terms? Do I pay them 250€ upfront, or do they send me an invoice after the repair? Can localrent demand to replace the whole bumper instead of repairing and painting it? If so, roughly how much could it be for a ~2018 peugeot? I have no idea how expensive car parts and mechanics are in Montenegro. Should I call them in the morning and tell them or should I wait until I give up the car? Do I need to drive back to take a picture of
the low wall? 😅

Picture of terms and conditions I received is attached.

Again, I’m terribly sorry if my question is silly and if I’m asking in the wrong sub, it’s my first time renting a car, first time in Montenegro, first time damaging someone else’s property and also first time having to use insurance 🙁 a lot of firsts, which is extra stressful, and maybe because of that my brain doesn’t function well enough to understand those T&C.

tl;dr a blonde scratched her rented car, doesn’t understand the T&C of her insurance and now doesn’t know what to do and what expenses she can expect. Now crying instead of sleeping.