sorry man,
I hate houston for that. . .i've gotten into 3 accidents since I've moved here, had a perfect record and no problems before . . .and 2 accidents were uninsured, mexican migrant workers with no license, so I had NO recourse. . .I just don't care anymore. . .as for your gf, I say SUE the living hell out of the person.
usually uninsured motorist coverage (like $80 every 6 months or more??) covers her damage. . .she had a new car?? What type??