Rim damage question

Cunnos

So once again i have bad luck with the 40th. I was cut off today by some jerk and while swerving out of the way I hit a raised sewer cap ( the road was being repaired and all the sewer caps were raised). I heard an awful grind and pulled over to see that my front rim is scrapped. It is not a huge dent, just looks like the paint/clear coat was scrapped off ( similar to when you see rims that are scrapped while trying to park next to a curb). I bought the optional Nissan tire and wheel insurance, my question is.........

-will the dealership give me a hard time with this?
-Has anyone else had to bring in their 370z to get rim damage repair?
-what is the standard repair repair guidelines, do they repair it or just replace it?
-Will i end up having to pay even though I got the optional wheel/rim insurance?
-When will my bad luck change?