what happens if my boyfriend is driving my car with a suspended license and is not on my insurance, and the other party is not insured?

In auto insurance the insurance follows the car. Unless the wife of the other car was excluded from his insurance, then his insurance policy will cover the damage to your car. The fact that your boyfriend has a suspended license should not prevent the other insurance company from paying for the damages to your car.If you have collision coverage on your insurance policy, and the other company denies coverage, you can file a claim on your policy. It will pay for your damages, less your deductible. Since your boyfriend is not listed on your insurance policy, your rates will not go up. However, your insurance company may demand that you exclude your boyfriend from the policy going forward. In reality, you should not have allowed him to drive your car if you knew he did not have a valid drivers license.