The complaint is almost always the same shape: a car backed into the bottom panel, a basketball dented the third section up, or years of coastal-adjacent humidity finally bubbled the paint enough that rust broke through steel that's been on the house since 1978. On a door that old, a single damaged panel rarely stays cosmetic for long. The seam between sections starts to separate under the weight of the track pull, and the door binds or drags on one side every time it opens.
What you notice day to day is the door catching partway up, or a visible gap of daylight at the seam that wasn't there a year ago. That gap is the panel telling you it's no longer holding its shape under load.