Surprised to get my Ertiga's alloy wheel damage covered by insurance

BHPian hemant.kamat recently shared this with other enthusiasts: Last weekend, while driving my family to dinner at Cafe Tato, Margao, in the Ertiga, I ended up brushing the front passenger wheel against a footpath step that was protruding onto the road, resulting in severe scratches on the diamond cut alloy. Drove to the nearest Maruti ASS the next morning, only to learn that diamond cut a