My Bianchi got a top tube dent from a bike rack when it was less than a year old. Took off the top layer of paint, and now there's a spot of base layer/primer showing through, but no bare metal. Been riding her for 19 years now, about 1,700 miles in the past year. I also don't expect any resale value for the frame... but more because she's 19 years old :-)
If it was insured by BikeFlights or whatever, I'd probably get it taken care of by them - unless you were just planning on pulling the parts anyway.
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