(PLEASE NOTE: the insurance company I am referring to is the other driver's. The other driver was ruled at fault in the accident)
As a handy way to illustrate my experience, here is a scenario:
So you're at work and I go to your parking lot and smash your car up and total it so that the repair cost exceeds the value. You walk out at 5:00PM and discover this. Since you weren't in the car, nobody was injured. You probably don't like me because now you have to take all your personal effects out of your car. But I say, "hey, I'll give you a rental car to use, and pay you the fair value of your vehicle - are we good?"
Your response would no doubt be, "No! You're not accounting for the inconvenience of having to move my personal effects around, handle insurance updates, as well as the time and disruption to find a new car. Certainly that is worth something".
My question is, where may I find, in direct law or other resources, what the other driver's insurance company is obligated to pay in this case, for my state? In my case it's the state of Texas but I figure this would be more helpful generically.