It is not his insurance company that is paying. The lady who hit him, her insurance company is paying. So he won't have to pay the deductible. It wasn't his fault. He should just get his car fixed or a check.
He had mentioned that he owed money to his parents. So I imagine that it is a loan from the M&D Bank (Mom and Dad Bank).I hate to rain on your parade Joe, but if your car is still on a loan with a fiance company, a lot insurance companies now a days will write the check in the autobody's name and not yours.