You should sue your girlfriend to recover your losses!
If you were involved in a car accident and your girlfriend was the driver, you should sue her.
I know it sounds like a rough situation, but the reality is this.
If you were injured in a car accident and your girlfriend was driving, she’s got insurance. You’re not suing her individually; you’re suing her insurance company and making a claim against them.
They’re the ones that are going to pay you, not her.