All insurance companies will cover more than $25,000 in property damage. But you have to purchase the higher limit before the accident happens.
Is there a way to get a car? Sure, save up $2000 cash and buy a beater. It won't be pretty but it will get you around.
Or do I have to quit my job? And exactly how will quitting your job get you out of major debt?
Until you have the $2000 cash saved up to buy the beater car, take the bus, a taxie, walk, ride a bike, car pool with a co-worker, borrow a car - in short, find another way to get to work.