<prompt> Human: So my girlfriend screwed up and so did I. I let my live in girlfriend borrow my new car to do a Christmas errand, and you guessed it. Car wreck. Shes fine but she hit a van and the driver didnt speak english. The police came and did a report but then guess what my lady tells me. She dosent have car insurance. So what the hell do I do? I have good insurance through USAA but hell... my car is banged up and so is theres. What happens next? How screwed am I? Help me reddit!?EDIT: thank you guys for the responses, my special lady friend was the female driving my car and there was a gentleman of hispanic origin driving the other van. I am contacting my insurance in the a.m. but im very concerned with the fact i just now found out my lady doesnt have friggin insurance. I am in KY and i am reviewing my policy as i type...nothing good yet...EDIT: thank you all for the feedback. Turns out USAA is da bomb and just said no worries i will fix it so huge load off my mind. Prob should have mentioned we are going through a break up but she is paying my deductible so smooth sailing. Again, thank you all.  <response>: If your girlfriend doesnt own a car, it makes sense that she wouldnt have car insurance. Why would a person without a car buy car insurance? What exactly would they be paying to insure?? 