Hi Guys!
I have got a Trekker Direct insured car, The car has a few touch-ups including ONE ART work by a Sciencedan ka bacha who used a Key to Scratch entire passenger side, A one inch dent on driver's side fender along with a scratched bumper. Nothing major though. Should I claim it now, or should I wait and see before I go ahead and claim insurance?

There are guys advising me not to go for insurance, at least at the moment. What would you suggest?