The insurance company will only give you the amount that they write for. If there is additional damage that is ACCIDENT RELATED that was missed on the estimate… the body shop can and will submit a supplement. However that does not mean they are going to get paid for anything extra that they want. If it is not accident related… they will not pay.
Any good body shop will be able to match the body to the bumpers/roof as long as the paint is in good condition. If its faded, etc… then its not the body shops fault that their new paint does not match your faded paint because you didn’t wax your car or keep it inside. Not saying thats your case… but just saying in general.
The insurance company is not going to pay for the roof, front, and rear bumpers to get painted, just because they are the only things that are not getting painted. We had a yellow Sunfire down here one time and we had to paint everything but the trunk lid (ins. wouldn’t pay to do whole car)… it was a good customer and we wanted to job to look good, so we took it upon ourselves to paint the trunk lid… but we did not get paid for it.
The only way that you are going to get the extras covered for free is to take it to a one guy shop that will eat the other labor of painting the bumpers and roof in order to get the job… but then again… who knows how the jobs gonna turn out… and to be honest… I doubt a one man shop would do all that for free… its not the labor, its the materials that kill you.
That is true… but mostly with collision… we will accept any insurance company’s estimate, we will do the work… if there is a labor rate, etc… we take it out on the insurance company at the end and they usually adjust the labor rate, etc… but that only applies to whats on the estimate… the roof, front, and rear bumpers are not on the estimate and I wouldn’t take the job knowing that I had to paint all the other parts for free… I would loose money… that’s a lot in materials.