I didn't have car insurance at that time made my coworker drive my car while I was in the passenger seat. She got into an accident and totaled my car.

You have indicated that your co-worker totaled your car, which I presume means that your co-worker negligently operated your car and caused the accident.  The simplest solution is to find out whether your co-worker had insurance coverage which might cover her permissively driving another's automobile.  In the alternative, you can simply bring an action against your co-worker for negligence in the operation of the automobile.