That's awful! Sadly that has happen to two new vehicles of mine in that past. One thing I'll say is that Virginia has a claim for "uninsured motorists claims". This claim has a lower deductible and is not a claim that goes against you.
http://www.adamegarzalaw.com/uninsur...aims-in-texas/
Looks like you may have it too.What is Uninsured Motorist Insurance Coverage?
Uninsured motorist insurance is a type of added coverage that is available to everyone in Texas, in which your insurance company will help to pay for damages incurred whenever you are in an accident with an uninsured or underinsured driver. Texas law requires that insurance companies offer this coverage to anyone purchasing auto insurance; if they reject the coverage they have to sign a document stating so.
Under Texas’ “fault” system of auto insurance, drivers are required to pay for every accident they cause. After an accident, anyone who has been injured, whether it’s a driver, passenger, cyclist or pedestrian, may decide to file a claim with their own auto insurance first, which is what’s called a “first-party” claim, or they may decide to seek compensation from the other driver’s insurer by filing a third-party claim. The injured party also has the option of filing a lawsuit to prove fault and seek money damages for all losses they incurred as a result of the accident.