My driveway slants upwards and there's a drainage dip in the roadway along the curb. This combination makes getting in and out problematic, as evident by multiple scraping lines on the driveway entrance and the associated damage to the underside of the Fiberglas fascia. I've had the fascia repaired several times and was told by my local body shop that it's beginning to become structurally weakened. (I live in an historic neighborhood and a ramp would not be tolerated.)
Eventually, a 1-inch vertical crack appeared on the driver's side. So back to the body shop who once again repaired everything and reinforced the underside of the fascia.
Because of the visible damage and structural weakness, I first contacted my insurance company (Farmer's) and they agreed to pay for the repairs under my collision policy. Since their share after the deductible was under the $1000 claim threshold, there will be no affect on future premiums.
The point here is that anyone with serious scraping issues may want to submit a collision claim if your body shop feels that the structural integrity of the fascia, which is primary point of force absorption in an frontal accident, has been compromised. (If you live in the San Jose Area, visit L&M Auto Body, 408.225.5053, where Ray Haderi, a Karma owner, can help you evaluate this and work with your insurance company.)
The fascia is perfect now and to keep it that way I am using the adjacent neighbor's driveway to slowly "crab" sideways, inching back and forth, to avoid bottoming out. It's a bit of a pain, but it's working.