its called a wrap, and many people do it, mostly for advertising, idk about just a flat color. nascar cars are painted before vinyl, fyi. and most have painted on elblems and markings to help with the drag coefficent
the wraps nascar use are not all one piece. but a few pieces. they are normally used for special schemes where the wrap is applied right over the normal paint scheme. they can be removed and the old scheme is intact.
also the decals on a nascar race car are not painted on, but vinyl, a few teams hand paint the cars for daytona/talladega to reduce drag, but is not the norm.
i would go with the body wrap, it will be alot cheap then getting it painted 2 tone. I was planning to get some paint work done on my chevy, but it was going to cost me around 5 to 6 grand to do it. Oh i wish i had my own paint shop lol
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