The paint time should be 2.5 + 1.0 clear. This is the insurance company's way to cut cost on the most expensive part of the job, refinish. In their mind you are not having to "paint" the entire panel, only the damaged area. Then the clear time is based on the paint time, so you get screwed there, also. Then the material is based on the total paint time, so they save themselves half the refinish cost by the time they're through. Bean counters at work. No way can you buy the material necessary to do the job. Then if you tell them you need to blend they will tell you they can't pay for it because the damage doesn't extend all the way to the next panel, or it's black, or white, or too old, or not adjacent, etc,etc,etc. I really don't have the answer, if you refuse the job, you look bad to the customer because the BIG shop down the street did it for what the insurance company wrote. This is their plan to squeeze out the small independent and only deal with a small number of chain shops that bend over backwards to be fed the majority of the work. This has been going on for years, but keeps getting worse. All I can say is fight for every .1!