You don't NEED to capitalise every word for emphasis... your point was clear enough.

I agree with everything you said in concept, but Jeebus was that painful to read.

You need to go see a doctor asap. I'm afraid you may be having a stroke.

I now have epilepsy

Even if the insurance covers everything (which it often doesn't) she's still looking at a rate hike as a result of OP.

She will have to meet her deductible if she has insurance, which is probably several hundred dollars. Higher insurance premiums will also most likely go up. Then there's the matter of her car losing value, even after it's repaired. If it's a new car, the value will go down thousands of dollars, even from a small accident. Why should she let it go when he should be willing to take responsibility for his actions? Love is great, but it doesn't entitle you to cost someone thousands of dollars.

I presume you guys are in the US, don't you get any at fault claims without a premium increase at all over there?

All these replies are predicated under the assumption that the accident was OP's fault. We really need more information on the circumstances of the accident to make any judgements.

I asked a question, down here we get a no claim bonus which rises to 60% max, 10% per year if you do not make a claim. When you reach 60% they then give you 1 or 2 at fault claims without it affecting your bonus and hence your premium. I was wondering if they have a similar system in the U.S.

Everyone is missing an important fact: OP is most likely NOT on the gf's insurance. Aren't you only insured if the car is driven by a designated driver on the insurance plan? The gf is entitled to ask for the money, just rude to do it so soon.

@species4872, the answer to your question depends on which state the OP is in and the insurance company they're with, plus a number of other factors which we don't currently have. So the answer to your question is "It depends on the circumstances"

Got that Madrias, Thanks for the reply.

It could be third party insurance. That only covers the other person's vehicle.