It’s worse than it looks in the pictures, even the metal at the bottom of the scratches is gouged. I went to Auto Bugatti on CDL next to the airport, they are the authorized BMW, Bentley, Land Rover, Jaguar, and Tesla collision centre for the island of Montreal. And I gotta say, it’s a really nice shop. The advisor who first came out to check said I might be able to get away with not making a claim, but she thought she should defer to the manager, and when he saw it he started shaking his head and said even with a $500 deductible, it will end up being way more than that. They won’t replace the hood, but they will likely call in their PDR guy to level the metal so they don’t have to use any filler, then the entire hood will need to be removed along with the headlight trim, washer nozzles, and belt line cowl strip, and the whole hood will get painted. He also suggested I get the repair authorized by Intact first, then informed them that I will get the repair done in the spring so the new paint job doesn’t get destroyed by our winter driving conditions, and then just put some primer or touch up in the scratches to prevent rust until then. So the next step is to call Intact and get the ball rolling, then set up an appointment for an official estimate for the insurance. I guess I’m pleased with that.