You are a loan car, except for some unpopular risks, you must buy all risks, including car damage insurance. It's much easier if you have the risk of scratches. On the third day, if the insurance has taken effect, you can report the repair cost to the insurance company, or you can leave it alone for the time being. I know the perfect OCD when you get a new car. Believe me, if you are a novice, you will have a lot of small bruises in the future, and it will be better to recover all of them when you are ripe.