That’s a stonechip, the impact mark is the little white dot slightly off centre of the patch of missing clearcoat. Then you can see the almost water mark streaks as moisture has crept under it from that mark, as the adhesion to the layer below is slowly destroyed with heat and cold cycles. Then either wind or washing the car has lifted it and it peeled off. Jetwashing the car is the biggest risk for these little defects.

It infuriates me that people still promote gone off/contaminated beer as a style of beer.

Sorry, being late for work is not an excuse for driving a vehicle in an unfit condition. Either you prepare the car to drive it, or you don’t start the journey.