As the owner is there a way that I can get my car from the dealership without paying for any deductible?

Probably not, since the deductible needs to be paid prior to the car being released.

No. Your recourse is to sue the girl to re-coup the deductible from her.

No, the "contract" for repairs was done under her insurance. As her obligation, she is to pay for her deductibles. The insurance check covers payment for the work, less the deductibles; hence, the dealership needs to be paid in full before the release.

First, I doubt strongly that it is the insurance company that is requiring this. The dealership wants to be paid and once it loses possession of the car, it loses its leverage. Second, if you want the car, you have to pay the deductible.

Probably not.. The insurance did not pay all the repair charges.. they paid the charges less the deductible so the dealership is still owed money. As such it is likely that the insurance company is not forcing the dealership to collect the money but the dealership is keeping the car until it is paid in full The dealership has a "garage keepers lien" on the car that even trumps your interest (or any security interest in the car) until it is paid in full. If you (or her) refuse to pay they have the right to charge you (or her) storage of $10 per day and even to sell the car if you (or she) does not pay.

It is doubtful as it was in getting repaired with your knowledge, and the dealership loses its possessory lien on the car if it releases it without payment, making it more difficult for them to collect for the work they performed. The dealer needs the deductible in order to be paid for the entirety of their services. This is the girl's problem.