Am I crazy? I would never park directly on a drainage system.

OP, ya done goofed and I'm not sure you have a ton of recourse. Take tons of photos, pull up all your documents, and go to your property manager and start the conversation. Or, call your insurance company and ask them these questions. You don't have to "file a claim" in order to get the answers. They can advise you on what the right option might be. If the damage to the vehicle is more than your deductible, then yes it's absolutely worth getting them involved.