If the victim is covered by insurance, the defendant would still be obligated to pay the deductible and could be obligated to reimburse the insurance company what they paid out. Speak with your attorney who will be able to provide specific details.
Mr. Keller is correct. The court will order restitution for the out-of-pocket costs incurred by the victim, which is usually limited to their deductible if they have insurance. The insurance company has a civil claim.
I recommend that you speak to your attorney about the matter so that he or she can advise you if there are any unique circumstances in your case.
I respond separately here to attempt to avoid some potential confusion on the issue of restitution in criminal cases. Section 1106 of the Crimes Code, 18 Pa.C.S.A. §1106, governs restitution in criminal cases. Insurance companies are defined as encompassed by the term "victim" §1106 (h), and subsection (c) states specifically under the subheading "Mandatory restitution", "The court shall not reduce a restitution award by any amount that the victim has received from an insurance company but shall order the defendant to pay any restitution ordered for loss previously compensated by an insurance company to the insurance company." The statute is clear, but I will concede that my experience has shown that the plain language of the statute is commonly ignored by the judge when imposing orders of restitution. Elsewhere in §1106, the statute makes clear that the "court shall order full restitution . . . [r]egardless of the current financial resources of the defendant."
Yes, usually if insurance covered lets say, a fence that was wiped out by your car in a DUI event, you should only be responsible for "out of pocket" expenses of the victim, which means the deductible or any other item not covered by insurance.