My boyfriend totaled my car and he is uninsured. Will my insurance cover my car even though I wasn't the driver?

Your car insurance policy insures your vehicle plus "you, any relative, and anyone else using your car if the use is (or reasonably believed to be) with your permission."

Whether insurance will pay for replacing your totaled car, though, depends on what type of coverage you purchased. Liability coverage, which is required in almost every state, pays for damages and injuries other people suffer when you--or in this case your boyfriend--cause an accident. However, liability coverage doesn't pay for repairing or replacing your own car.

Collision and comprehensive coverage are optional. Collision coverage pays for repairing or replacing your vehicle if it's damaged in an accident, and comprehensive coverage pays for damage to your vehicle from causes other than a traffic accident, such as a natural disaster, theft, vandalism or collision with a deer or other animal.

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Some drivers decide to forego collision and comprehensive coverage to save money on car insurance rates, particularly if their cars are older and have limited value.

I'm assuming your boyfriend totaled your car in a traffic accident. If that's the case, then you need to have collision coverage in order for the insurance company to pay up. If he totaled the car by colliding with an animal, then you'd need comprehensive coverage.

Loaning a car to an uninsured friend is never a good idea. If your uninsured friend caused a terrible accident and the damages and injuries exceeded your insurance liability limits, other drivers could then sue you for property damage and medical expenses.

For more, see when your friend crashes your car: the rules of auto liability.