“As long as your boyfriend isn’t excluded on your policy, your car insurance
company should cover the damages. Since you gave your boyfriend permission to drive your vehicle, he would be covered under your insurance. Insurance typically follows the vehicle and not the driver.
Driving with a suspended license shouldn’t impact your claim approval, but he may face fines or further consequences for breaking the law.
If your insurance does deny the claim, you would be personally responsible for the damages as it was your vehicle. The same would be true if your insurance covers the damage, but your policy limits were exceeded. Any remaining damage would be your responsibility.
You’ll need to stay in contact with your insurance company as a claim process isn’t easy. It may take a significant amount of time to resolve the claim and payout for the damage caused.”