I was involved in a car accident Nov 3,2008. The other party was at fault, has insurance, but I have to pay for car rental extras, lost 2 days of work and deductible to my body shop. I do not see what the point is in getting the other party's insurance. I also found out that my insurance states the other party's insurance is slow to pay to the tune of 180 days. I am already late on rent, short on livable cash, etc. What are my options in Texas?