回复：今天被气晕了，车祸完全是对方责任，我却要出300块deductible。

You are now covered by "uninsured" which has $300 deductible, because the involved party has no insurance coverage. 

You may still file charge against the involved party to get your $300 deductible back, or your insurance could do so and refund your $300 deductible, when winning the case and having collecting the money.