claim it on your insurance as comprehensive damage.
Comp is for anything that does not involve driving into something.That scratch looks like it angles up in a way that would be impossible to be caused by a "collision". A "bike scratch" would be comp.
Some bonehead at Home Depot dropped something on my front quarter panel last weekend. Big dent on the top of the fender, paint cracked.
$543.09 to remove dent and repaint. Cost to insurance, my cost is $0
Comp has covered (for me) a rock kicked up b a truck (*big* - *long* dent), (dried) cement stuck to the rocker panels (some puddles are not what they seem), stolen stereos, hail damage, tree (falling on car) damage, and several windshields (this is over several cars over the years). Best insurance "investment" I can think of, I seem to get money from them, more than the Comp has ever cost.
BTW, I pay $6 more a month to have $0 deductable comp., really worth it