My reply is to biology ,

I had gone thru same incident. I mean I found a dent on the side of my truck which was obviously hit by someone in the parking lot. I too didn't notice it in the spot or may be same day. I had comprehensive insurance coverage. So, I contacted my insurance co. and told my story. Their representative evaluated it and compensated it fully. Actually, I could make some money out of it for myself. Coz their official mechanic evaluated it according to his (or average may be) rate and the insurance co. paid accordingly. But when I took my car to my regular mechanic, he repaired it for less.