The first question by the way is,- is it a insurance claim?
Now that's really funny! A DUmmy with insurance coverage! Most DUmmies carry no insurance whatever - you know this to be true if you've ever been involved in an accident with one. The "responsible" DUmbasses have that bogus TV insurance that makes you "legal" but pays nothing for anything. If this were a claim where the other party's insurance was paying, the DUmmy would not be talking about scratched paint. It would be at least severe whiplash..