@viper2ko: Is USAA objecting to that rate on body work, or on painting? Some shops try to play the "aluminum" card on work that is the same on any car. I had an experience where USAA balked at this but covered the body work at the full rate. It's a shitty thing to deal with, but if that's what you're facing, you could propose the Tesla shop do the body work and ship it somewhere else to be painted. Of course, when USAA sees the cost of splitting this work across two shops and towing the car, they may change their tune...