Thanks all for the support and advice. My estimate is $808.43
I did personally speak with the painter and he confirmed what everyone has said. The cover needs to come off so he can get at the back side with some heat. He wasn't concerned with blending the pearl, and with the cover off he can clear the whole thing without having to mask anything.
I don't have a deductible and my Metlife agent said it won't impact my rates since it's a no fault claim, so I'm going to bite the bullet and turn it in.