I had that with my previous car - went to the garden centre and when I got out there was a huge dent in the front passenger door. I wasn't even able to say how long it had been there because I don't often approach the car from that side so it could have happened at home where I park on the road as people use that area as a turning circle (I now park further back) or if it was that day at the garden centre. And same as you - no note or anything. I did contact the insurance and got so annoyed because they then, despite my not claiming, considered it a loss as the dent would decrease the value of the car. I was livid, esp as the husband of a friend of mine removed the door panel from the inside and was able to push back most of the dent so it wasn't really noticeable anymore; AND I had not intention of selling the car
Needless to say I changed insurance the moment I could
I am sorry Frank - because it really is so darn frustrating when things like this happen