California Auto Insurance Cancellation?

The automobile was taken by her without choice I understand many people say that but this really is truly true.She crashed and didn't have insurance or a certificate. She was not responsible since the different individual was driving with headlights off during the night and no one was hur nevertheless equally cars are damaged. Can my  insurance  policy I simply have liability.
"I had been not front ended in colorado with no  insurance  is there anyhting I could do