How long will it take for the camo or any other far out color to get old? Then what, it is not like you can remove it and go back to a pristine stock paint job. Also the vinyl can be simply scuffed by running a finger nail across. Cant buff it out and if you take it off now you have a shitty keyed factory paint job. Just stating that I think getting it taken care of properly is your best option in this.... I would fight with the insurance company and get multiple quotes from various body shops that all hit right around the same number for a proper paint job to correct the damage.
It is like having a infected cut and putting a band aid on it. The infection is still under there, and will have ot be dealt with properly. And then it will be on your dime.
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