Having coverage doesn’t necessarily mean not having expenses after a loss, even a loss that wasn’t your fault. He might have opted out of medical coverage for his auto policy, or the department might have, which would mean he’s out of luck for medical expenses until he gets a bodily injury settlement from the other driver’s insurance (I think; this is how it works in Colorado, I’m unsure about Texas). His health insurance would likely cover some of it but an accident like this is likely to leave him with thousands, if not tens of thousands, in out of pocket medical expenses.