Yes. The fact that your license is suspended is NOT considered a contributing circumstance to an accident.
It all depends on her insurance cover
Yes it does have to cover you
you will get a ticket and probably get your license suspended for longer and insurance will probably not cover the accident b/c you were driving with a suspended license but of course this is just one scenario
Insurance and Suspended LicensesYes, If you auto insurance policy was active and in force at the time of your accident then they will cover the losses to the extent and limits of your policy coverage. Bare in mind taht if the Insurance company was not previously aware of your license suspension and depending on the reason they may decide to cancel your policy.AnswerTypically, no. One of the conditions of coverage generally is the existence of a valid driver's license. If the license was suspended but you were nonetheless driving, the insurer may well have a coverage defense.
Check the laws of your state and your policy. In my state, it is illegal to drive with a suspended license. Your policy will have exclusions and limitations that specify their position on damage incurred while engaged in illegal activity. In summary... NO.
If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.
Sometimes a deductible will cover a hit and run accident if the driver does not have the license plate number. More often than not, they will not cover the accident because there is no proof of the accident.
You can have insurance on a suspended plate. If you get in an accident with a suspended plate, though, your insurance company may not cover the accident because the car was not legal to drive.
Assuming you were the one driving his car, yes his insurance will cover his car. The insurance company may drop his coverage for 'irresponsible behaviour' by allowing another person to drive it AND that person had a suspended license. However, your boyfriend could take you to court for the damages rather than file a claim with his insurance company. Technically, you are responsible for his car and you would lose in court.
No insurance company will cover you for driving whilst suspended. Any illegal activity will deem your policy null and void.