Auto Insurance Claims: Wife backed into my truck, legal principle, insurance adjuster

Question
My wife backed into my truck causing damage to both vehicles.  If I file an insurance claim, could both vehicles be repaired for only 1 deductible?  If I get an estimate and negotiate a price with the insurance adjuster, can I cash out and decide what to do later?  Thanks for any help you can give.

Answer
The waiver of the second deductable varies from policy to policy/company to company but this will definately be two separate claims.  The reason is that you and your wife own both vehicles, they're insured on the same policy and by pure legal principle, one cannot be liable to themself for damages.

As long as there is no lien holder, you can take the check and do whatever you want with it.