That's called fraud, and people wonder why Apple jacked up the AC+ deductible for the iPhone to $79 from $49. We can thank people like you.
Get AppleCare plus and be done with it
I am sorry, but watches are meant to be scratched..... a mark gives more character to the watch...
This is going to happen multiple times, it is a watch you wear. Apple plus is only good for so many repairs. I would not waste one of those times for this little scuff.