If you can find a body shop to include the cost of painting the entier car in the repair quote then you can get it done, otherwise you'll only get the things done that the shop quoted the repairs for.
Go to the most expensive shop in town to get your repair quote. They might include the cost of a complete respray.
An insurance adjuster will look at the car or a body shop that has been certified to appraise and assess damage will evaluate the car. Both of these people will go by the book, unless they're a shady shop. However, you would not want to deal with a shady shop on your beloved car, now would you?
Its insurance fraud if they were to build the cost of an entire respray into the estimate unless the damage warrants an entire respray.
With today's technology cars can be resprayed and blended without having to paint the entire car. They're respray multiple panels and blend so you cannot even tell a difference - if they're good. My WRX was resprayed and no one would ever know, infact the shop that did it used better paint than Subaru and was very good at what they did. No one has ever been able to tell that the car has been resprayed, even if when it was pointed out to them which body panels were resprayed.
There's a class action lawsuit against insurance companies that made it to the Supreme Court which defines the rules and regulations insurance companies must abide by. This is why certain parts are required to be genuine OEM parts and others can be comparible AEM parts. My A/C compressor was a Subaru genuine part only, however my hood and radiator were not required to be genuine OEM parts because the aftermarket parts were deemed compariable.
B, your entire car was repainted because of the extent of the damage to the car. My body shop probably could have pulled a respray off because the owner said the World Rally Blue on the impreza was one of the easiest 3-stage paints to match.
This information is all coming from New Jersey laws and was provided by a bodyshop who is a "partner" with my Uncle's business and a representative of the insurance company. They no longer use adjusters at his body shop in an attempt to keep the middleman costs down. He would not write anything into the estimate that was not in the book for fear of the repercussions of losing his contract with the insurance company and legal ramifications - it just wasn't worth it to him, or any other reputable shop out there. Infact, if the final cost went over the estimated amount he was required to produce receipts and if the costs were less than the estimate he was required to report this information and a check would be cut for that specific amount. The insurance company works directly through him.
Now to circumvent this fact, I called my insurance company and specifically requested an insurance adjuster come to my home location and evaluate the car. This way, the adjuster could cut me a check for the entire estimate and then I could take those monies and do as a saw fit. However, if he wrote me a lowball estimate and I went over the estimate I would have to produce receipts and documentation that the repairs were to a greater extent than estimated and provide this to the insurance company.
Me, being me, I took the check and ran. I bought aftermarket parts, cut $1500 off the price of the estimate and pocketed that cash. This is why I rock a carbon fiber hood and koyo racing radiator along with some other non-OEM parts that went on the car.
Once again, if I went through the bodyshop I could not exceed the cost of OEM parts and I could not keep an "extra" money. The only loophole that was possible was monetary compensation if I chose not to paint my carbon fiber hood.
The adjuster took longer, but was more beneficial to my finances and personal preferences at the end of the day.
Hope my drug induced rant helped you out.