[Cheveey57]

You don't have to pay a deductible ever if you know where to go. Geico will come to the vehicle and give you an estimate. That estimate is usually pretty fair, if it is at a repair shop
They usually agree on a price. Now here is where you don't pay the deductible, geico will cut you a check for X you simply have to find a shop ( that does great work) to do the job for X or even Y. If you are in or know people in the the hobby this will be easy.
Point of fact my partner got his entire Camery keyed by an ex. He got the whole car sprayed with a cole little parking nicks all fixed for $1,200 less then what the appraisal was for. So he got the car fixed and made $1,200.