The dealer and insurance company are gambling they will win this bet. I'm skeptical that you would come out ahead. If you decide to go this route, read the fine print carefully. Usually a dealer's showroom is not good place to do this.
I (possibly foolishly) opted for 60-month, no deductible "ding insurance" when we bought our Niro. It covers things like dents in doors from parking lots, scraped alloy wheel repair, etc. Since my wife tends to run into stationary objects, and neither of us is getting any younger, I figured why not.
Two weeks ago, a car in a parking lot grazed the left front corner. I didn't notice it until the following day, when I saw a scuff on the black plastic around the wheel well. I buffed out the scuff with auto polish, but noticed that the plastic was moving around. Getting down to ground level, I saw that the lower plastic in front of the wheel had detached. I called to file a claim, and learned that my claim was denied because ding coverage does NOT
include plastic trim of any sort. Given the amount of plastic on all four sides of a 2023 vehicle, this is a big oversight.
A firm push snapped the piece of plastic back into place.