Let's say it's a sub standard insurance company... They only pay $28 per hour for labor when standard rate is $52...
My brother is an insurance adjuster also... He's been helping me find the parts in the same color so we can save money not having to have the repair panels painted since they do not pay much for labor... This way we can get the car finished within the budget that they are giving me...
But we can buy an aftermarket fender and paint if for what I can buy one out of a salvage yard... Since now the ones are either in Urbana ( 1 1/2 hours away) or Ohio (about 4 hours away)....