My car was totaled. When will I get my deductible back?

A few days ago I was involved in a six car accident. We were all stopped at a red light and a kid fell asleep at the wheel. He hit a 2007 Honda going about 45 mph. The Honda was completely demolished and the impact threw the car forward, which slammed into me. It created a domino effect and my car was smashed into another, and in all, six cars were involved and the first four, including mine, were totaled. Of course it was no one's fault but the one who fell asleep, but the kid who caused the accident is underinsured. His liability insurance coverage in 15K, and there's NO way that will cover all the damages he caused, so each of our insurances have to cover our own cars. I'm super bummed because I only get 3K for my car minus the 500 dollar deductible . I was told that his adjuster will not be able to do anything until he gets the total damages for all six of our cars. How long do you think it will take for me to get my deductible back? I desperately need the money right now so I can get a loan for another car. Also, there was a lien on my car and my credit union told me they would take all the money to put towards the loan and then I'd need another loan to cover the remaining balance and to get another loan for another car. If this deductible is refunded at a much later time, will that 500 be applied to a new loan, or will it go to me?