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Yeah, just happens. My first BRZ had a bad rock chip the first couple of days of owning it, and I had my first accident about six months later, which may or may not have led to the engine blowing up. The new one is about two years old and is getting some minor hail damage and a rock chip in the windshield repaired today. Of course, I have yet to own a car that hasn't been hit while I wasn't in it, hailed on, or had a windshield replacement (and some of them have had multiple things happen) even though I tend to trade in every couple of years. I don't get too excited about it anymore but I expect repairs to be perfect and in your case I would angle for some free stuff/services!
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