You don't mention which state you live in, but for most states, the answer is "no." Most states require that the at-fault carrier provide a claimant with basic transportation. On that same note, almost all states do not require the at-fault carrier to pay for the rental insurance (if you have full coverage on your own vehicle, it should transfer to a rental anyway).
This is a strange rule, actually, but in many ways it makes sense. The minute you get behind the wheel of you car, you're accepting a certain amount of risk. Along with that risk comes a duty to mitigate -- or lessen -- your damages, even when you're not at-fault for an accident (i.e., it ain't like winning the lottery if someone rear-ends you). "Basic transportation" is definitely a way to keep costs down.
But...talk nicely to your claims adjuster and they just might bump you up to a 4X4. And, again, your state might actually require a similar vehicle be made available to you.
Minimum you are responsible for all claims due to the accident. Damage and medical if any. Depending on state, one or both of you may get hit with no insurance ticket, fines vary, probably will not suspend lincense since you were not driving. It is so much easier to play by the rules and keep insurance. Been there done that.
Assuming the At fault claims are in E4 and Rating is in F4 then your formula in G4 would be: =If(And(E4>1,F4>2),"Yes","No")