Gf drove my car without insurance?

You don't say where you are, but as your question has appeared in the UK I'll assume that you are in the UK.

Based on the story this is what I think the relevant facts are:

1) The car is yours and is insured for only you to drive.

2) Your girlfriend took the car and crashed it.

3) She had no insurance of her own to drive the car.

There are now two possibilities:

1) You gave her permission to drive the car, it doesn't matter in the slightest whether there were any conditions (time/distance) imposed.

In this scenario you are guilty of being an accomplice to her uninsured driving. In that event you will be prosecuted along with her and both of you will receive fines and points - probably a Ban too. This means that when you apply to re-insure your car you will be subject to a very heavy premium hike - probably around 4x what you currently pay.

You and her will also be liable personally for all of the costs of the crash because your insurance company will refuse to pay.

OR

2) You did Not give her permission to drive the car.

In this scenario she will be charged with Taking and Driving Away under section 12 of the Theft Act 1968. This could lead to a fine up to £5,000 and/or 6 months in prison. She will also be fined and get points for driving while uninsured. You can feel bad about this if you think you have "dropped her in it" but if she really did drive it without your permission then she must take responsibility for the consequences of her own actions.

In this case the costs of the crash will be borne by the Motor Insurer's Bureau, not you or her, and your licence and reputation will be safe and intact.

There is really no sensible alternative to you telling the absolute truth to the police. If you don't then you really will be in shiit so deep that you won't get car insurance again at a price you could afford. If you lie to the police then the truth will come out sooner or later and it will only get worse.

First off, stop talking. You want to accept responsibility. NO!!!! Don't fall into that trap. It doesn't make you a better person to simply pay money out when you may or may not owe money.

I'm not talking about cheating anyone. What I'm talking about is waiting until ALL the facts are in and a full investigation has been done.

You've made two assumptions. You've assumed that your girlfriend is at fault, and therefor you are at fault. I'm not sure that either of those assumptions are true.

It's very possible that your insurance will cover the damage. If you lived in Michigan then I know the insurance would cover it. In most states the insurance will cover it.

As for getting to work, that falls under "life sucks". Get a ride, hitch hike, ask your mom, pay a friend. What, you need me to explain how to beg a ride.

What on earth did you accept responsibility for? You weren't driving. Of course the insurance company won't pay out for the damage, though it might pay for the value of the car if you have a comprehensive policy. I am of course assuming that you didn't give her permission to drive it.

You fail to mention the country......so

UK you either let an uninsured driver use your car or you didn't, if you did then you will be in serious trouble, if not she will be charged with theft.

ANY COUNTY: You are pretending you caused the accidents...bad decision, not only are you giving your gf the permission that she can cause problems, cause accidents and not be the one responsible, you are lying and that will get you in trouble with the law, along with higher insurance premiums in future.

I suggest you put your brain in gear before you open your mouth and get yourself in more trouble.....as for not having a car to get to and from work...look to gf she needs to replace your car, it was her that damaged it

You are more screwed than you realise. You will be charged with allowing an uninsured driver to use your vehicle. The maximum penalty for this is the same as driving uninsured. 6 to 8 points on your license. A discretionary ban and a fine of up to £5,000.

You are not "taking" responsibility.. you ARE LEGALLY responsible, as the owner of the car.. not to mention, if you allowed her to drive it.

What you are going to have to do.. is find someone who is willing to give you a ride to work, or come up with money for a drivable clunker, just to get you back and forth. You are going to need the money, since the other parties are going to file a lawsuit against you for the damages.

Your gf should find a bus.. and start looking for a job, since she owes you big time. However, since you allowed her to drive it, you may not be able to get any judgement against her.

You need to double check your insurance. Almost all insurance would cover you and anyone you loaned to the car to drive - but if she did it without your permission, you may even have stronger argument (under your underinsured/non-insured coverage).