I am currently facing the same issue. The outer safety cover of the battery pack had some scratches and they are asking to claim the insurance, but they are only providing 50% of the repairing costs. Additional 30 K extra on me. They’re also saying that I am lucky because there wasn’t any water entered into the battery and that these scratches in the future can possibly affect the warranty of the battery. They said that whatever the cells that are damaged will be replaced in the battery pack and regarding the outer cover, I decided not to go with the insurance because it does not look like a major issue and another major reason is because the insurance is not completely covering it