My dented car - courtesy of my wife

[Snowman 78]

The cost of paint (supplies) is based on the hr's it will take to paint (weird I know)
Brian,
You may be able to file an insurance claim and "cash out" insurance pays the full amount to repair the vehicle less the deductible and then you fix it yourself. Also a lot of insurance companies will not charge a rate increase if the total amount they pay out is less than $1,000.00 you may be able to ask your agent about it.