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Nightmare mate. I had this happen in my 1.2, all by soundsystem was nicked and a window smashed. I cut my losses, bought a new window for £25 from a scrappies and fitted it myself and that was that. Paid off, I'm not driving a 182 Trophy. I doubt I would be if I went through my insurance.
I'd tell someone or leave a note, I'd feel bad if I didn't. What kind of scratch is it? Definitely another vehicle that's hit it, or a key mark? Bit of a weird place to get a scratch. Post a pic!
Mine came with them standard ;) ended up putting the Xenons on myself! Tad more expensive for the same effect lol. Looks good, not keen on that green diamond though.