Where does the money come from if I can’t sue the insurance company, and how much is available?

If the driver is insured, the money comes from the insurance company who has complete control over the claim. If a driver is insured in Texas, the least amount of coverage they have is $30,000 per person and $60,000.00 per accident. The next step up from there are generally $50,000 and $100,000. Most people will have the minimum and few will have $100,000 or more.