Who provides me with a car while mine is the shop?

That depends on who caused the accident and the terms of your own auto insurance policy.

If you are at-fault for the accident You may have to pay for your own rental.
If it is unclear who is at-fault If your insurance policy includes rental coverage, your insurance company may for a rental car.

Otherwise, you may have to pay for it.
If another driver is at fault You can demand the other driver’s insurance company pay for the rental.

In some cases, the insurance company may require that you pay the bill and will issue you a reimbursement.

Texas Auto Insurance Policies Can Include Rental Reimbursement Coverage

Most auto insurance companies in Texas will offer you rental reimbursement coverage in your policy. This coverage usually covers the cost of a rental car while your insured vehicle is being repaired. In some cases, it will cover you, even if you caused the accident.

This coverage usually will pay the reasonable cost of a vehicle of similar quality to your insured vehicle. However, that may be limited by what is available for rent.

Insurance reimbursement coverage is generally not very expensive. It may be worth it.