I understand both sides of this. The painter doesn't want to work for nothing and the ins.co. won't pay him to do it right. 25 years ago the body shop and the mechanical rate was the same and now the body shop rate is less than half. They keep taking away from the body shop and thats why I don't play their games. When I give an estimate I stand my ground and don't give into the ins. co. I would rather loose a job than do it their way.