Custom paint can be matched, but not sure if it's something just anybody can do... My old vmax had a candy blue marble finish and attackpainter managed to match it when I cracked my fender.. Paint was like 13yrs old at that point and done by somebody else... So it is possible, just not sure I'd trust just anyone... I'd call the dealership and try to find out who their painter is and go from there... As far as calling insurance, I'd wait and see what they say.. If they offer to fix it and have a reputable painter, I'd let them handle it before going to the insurance company and opening a claim... Not sure on the legal liability part, sorry.