Can I repair my vehicle without paying my deductible?

NO!  Although it is possible to save some money by not having certain items repaired on your vehicle that need repaired, it is a very bad practice to do.  For example, your vehicle gets hailed on and you take the check which pays for replacement of the hood of your vehicle.  You decide not to repair the vehicle and spend the money.  A year later you are involved in an accident requiring replacement and painting of the hood of your vehicle.  Since the insurance company paid for the hood once and you did not have the repairs done yet... they are not liable for this replacement or painting of the hood.  Remember costs are always going up and also the first estimate on your vehicle is generally not enough to cover the repairs.  To repair your vehicle now could end up costing you much more money than you were ever paid by the insurance company.