Question on Car Insurance Geico Dedutibles

[pillirevanth]

Parking lot lo vere valla car bumper ki dash ichindi maa wife.. Very very minor scratch not even dent.
Na geico coverage lo deductible $1000 pettukunna. Ippudu deductible ni $50 ki change chesi oka 2 weeks tarvatha claim chesthe, naa claim process avtada.?
Paint work chesthe saripotadi mostly instead of replacing both bumper and bumper cover. Where can i get cheaper deal to have paint work done.??

Usual ga accident avvagaane insurance details teesukoni claim chestaru kaabatti, you don't have chance to manipulate with deductibles.
But na case lo other party can wait until i tell them to start claim saying that it just happened yesterday.

Idi chala simple kada, everyone can do it. How Insurance companies deal it to prevent.??

Meekunna experience tho konchem pros and cons cheppandi.