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I dont!
I dont ask girls if they have a BF or not. I do not care!
If she does, thats fine. If she doesnt thats fine.
Her desire to be with me is independent of any BF.
Ezo has a great point. For one, girls are always looking for the next best thing. They think emotionally, not logically like males. If they feel that they will truely be happier with another guy, they will switch.
However, if you honestly do not feel comfortable with the idea of breaking up a relationship, you can still game her. The reasoning behind this is because once you find out she has a boyfriend, set up a friendship, but keep those values high and keep a little sexual tension, not as much as a normal set.
A couple things can come out of this: One, she could break up soon, and you can get a date set up. Another, if you land a friendship, you could have a female wing (pretty damn useful) or if she thinks of you as a good guy, she might try and set you up with her friends.
With all that said, just dont worry about the boyfriend situation, with all the possibilies you can gain, its better then turning down sets because of it.