If I bought a new bike and dirt rode it, and broke it, I would just fix it, because dirt riding often involves falling. You are not having much fun if you don't fall once and a while.
Otherwise, I don't see anyone could do much dirt riding if the bike had to be in like new shape after each ride.
I do not see that anyone needs to know you scratched the bike when it fell over, its not a leased vehicle you have to turn in at the end of the lease.
If I was going to make a claim like that, I would have had a LOT more fun with the bike!