"out of luck" meaning what exactly?
If your question is "Hey I just took delivery of this car 3 days ago, and it got hail damage. Can I return it and get another one or am I stuck with this car?"
The answer to that is "you cant return the car, so you are stuck with it and need to get it fixed"
If, instead, your question is "I just took delivery of this car 3 days ago and it got hail damage. Can I get it fixed?" Then the answer is "sure, you can get it fixed. Take it to a body shop and submit to your insurance."
The way it reads, "Am I out of luck" is not clear what you are asking... although people in this situation usually are asking "can I return it? in which the answer is "no".