You could also look at using Dr. Colorchip to fill in the small cracks after you clean it. I use it on all my vehicles for chip repair. Works great and then I would do what @MEATSWORD suggested and put some paint protection film to protect it.If the paint isn't chipping or chipped then the hood was probably dropped at the factory.
You might be able to clean the marks and apply clearbra across the hood to keep them from collecting dirt and showing.
It's an inexpensive solution and if it does get worse you can always look at a more detailed repair or replacement.
But I also agree .. if you choose to repair it don't go thru insurance. Not for a $400 repair.
Sent from my SM-G960W using Tapatalk