What happens between the storm and the repair when you carry GEICO — the deadlines the carrier is held to, what you pay, and where a shop in Plano fits in.
You file the claim with GEICO — it is your policy, and only you can open it. From there DentPicks handles the shop side: we document every panel, meet the adjuster, and submit a supplement if the damage under the trim is worse than the first estimate allowed. Texas law lets you pick the repair shop regardless of who your insurer recommends, and a comprehensive hail claim does not raise your rate by itself.
These deadlines come from the Texas Department of Insurance and apply to any carrier writing personal auto coverage in the state, GEICO included:
| Stage | Deadline |
|---|---|
| Acknowledge the claim and begin investigating | 15 days |
| Accept or reject, once they have everything requested | 15 business days |
| Extension, if they explain why they need it | up to 45 more days |
| Pay, after telling you the claim is approved | 5 business days |
Source: Consumer Bill of Rights for Personal Automobile Insurance, Texas Department of Insurance. After a weather catastrophe TDI can extend each deadline by 15 days — that is a determination TDI makes, not something that applies automatically to every storm.
DentPicks is an independent paintless dent repair shop at 1915 N Central Expy in Plano. GEICO is a carrier that handles most of the claim through its app, and we see those claims regularly — but we work for you, not for the carrier. On approved hail claims we arrange complimentary pickup across DFW, waive the deductible up to $1,000 on many of them, and every repair carries a written lifetime warranty on the workmanship for as long as you own the vehicle.
How the repair itself is done, from reading the dent to the final sign-off, is set out on how it works.
Yes. Texas law lets you decide who repairs your vehicle — an insurer can recommend a shop, and many do, but the choice is yours. A recommendation is not an instruction. Our guide on choosing your own hail repair shop in Texas covers what to say if you are pushed toward a preferred network.
Not because of the hail itself. Texas treats a comprehensive hail claim as an act of nature rather than something you caused. Insurers price on plenty of other factors, so a renewal can still move for reasons unrelated to this claim — the honest answer is "no, and yes". The longer version is here.
Your deductible, in principle. On many approved hail claims we waive the deductible up to $1,000, which is why customers often describe it as nothing out of pocket. Whether that applies to your claim is something we confirm before any work starts. What repairs cost and how people pay.
Texas sets the clock, not the carrier: 15 days to acknowledge the claim, 15 business days to accept or reject once they have everything they asked for, up to 45 more days if they tell you why they need it, and 5 business days to pay after approving. If those deadlines pass.
That is what a supplement is for, and it is routine — hidden damage shows up once trim comes off. We document it and submit it to the adjuster. How supplements work.
Only if the insurer decides a panel has to be painted. Paintless dent repair leaves the factory finish alone and does not create a paint record on its own. What reaches a history report.
Independent shop. DentPicks is not affiliated with, endorsed by, or acting on behalf of GEICO. GEICO and its logo are trademarks of their owner, used here only to describe whose claims process is being explained. Policy terms differ between customers, so treat everything above as general guidance and read your own policy.
Send photos and tell us where the claim stands. We will tell you what we can see and what it usually means — before you commit to anything.
Someone from the team will get back to you. If it is urgent, call (866) 336-8767 and you will reach the Plano shop.
