They won't cover the damage. At all, actually. The rocker panel is pushed in, but the pinch-weld and everything directly under/behind it is perfectly fine (read: not even scratched), as is the door.
I'm dropping the car off at our friend's body shop Saturday. Sucks, especially since the car just rolled 8k miles on the Kerrville run I did last weekend, and I've put in two claims already: Windshield is getting replaced tomorrow, and now this crap. Poor car. Finally got a fun car that I love the looks of, it's "done" but still has so much potential, and is slow enough to not be completely useless on the street, then I go and put a big ole dent in it.
Worst part is that I wasn't even playing around when this happened.