He's standing at a red light. You have checked the intersection to check that there are no vehicles or people. Texas law requires drivers to show that they can pay for the accidents they cause. Most drivers do this when purchasing liability insurance for cars.
Liability insurance pays for the repair or replacement of the other driver's car or other damaged property, and pays for other people's medical expenses when you're at fault for an accident. Car insurance protects you financially by paying the medical and repair bills for the other driver's car if you cause an accident. If you can't find a company that's willing to sell you a policy, you can get basic coverage through the Texas Auto Insurance Plan Association (TAIPA). If you think the other driver was at fault, but your insurance company won't pay your claim, file a claim with your own insurance company.
If your accident was caused by another driver, the other driver's insurance company will pay for you to rent a car. If the other driver's limits aren't enough to cover all your medical bills, file a claim with your car insurance company or health insurance company. Texas law requires insurance companies to charge fair, reasonable and appropriate rates for the risks they cover. Your insurance company will pay for a car rental only for as long as it deems reasonable to repair or replace your car.
If the other driver's policy limits aren't high enough to pay for all your car repairs, file a claim with your insurance company.