Hi, I have a few questions on insurance claim procedure.
Situation: Car drove by third party, but during parking, accidentally scratch the side door towards the wall.. Maybe due to MPV size car, narrow parking and not-so-experienced driver.

1. To repair the scratch, can consider as accident?
2. Police report is needed? When making police report, the third party need to bring the car along?
3. Procedure will be: police report > sent to panel workshop > panel submit documents and repair quotation to insurance company > wait for insurance company review and approval > start repair > insurance pay back to panel workshop
Correct?
4. The claim money will be between workshop and insurance company, is it?
5. Will there be a situation where, insurance company delay payment to workshop, workshop then hold the car until insurance company release the payment. After getting payment, then only give back the car to owner?

Thank you.