for those considering Wear & Tear insurance ,we just had a pre turn in inspection on a 2015 Hyundai Azera and the results
were $1240.00 in additional charges for above normal wear and tear and this was for a garaged , well kept car .Lucky
we paid the $900 for the policy in the beginning
photos #2 and 4 look pretty bad. DId you shut the garage door on the rear bumper in pic 4?
curb rash looks pretty bad as well so not surprised you got the charges. But it was good that you had wear and tear insurance although it only saved you a few hundred bucks.