Love is one thing; insurance is anotherIf you have collision coverage, then before filing a claim there is a couple of things you should do.
First, review your policy and make sure your boyfriend is covered to operate your vehicle. He likely is covered as a permissive user of your vehicle. If you live together, your insurer may have required you to list him as a driver on your policy for him to be properly covered and so refuse to cover this incident unless you put him on the policy and pay back premiums for him. (See " Who can drive your car?")
Next, get an estimate on the damages done to your vehicle. If the cost of repairs is less than your deductible amount, then there is no reason to file a claim since collision insurance coverage only kicks in after your deductible has been paid out. If the damages are just a bit beyond your deductible, then decide if it's worth making the claim and possibly seeing a rate hike.
Even though you weren't the one driving, if a collision claim goes through your auto insurance policy there is the possibility your rates could go up since your claims history is a rating factor for insurers.
When it's all said and done, don't be surprised if your auto insurer requires you to add your boyfriend to your policy. Even if you don't live together, some insurance companies will say that your boyfriend must drive your vehicle on a frequent enough to wreck it, and thus he should be placed on your policy. Your insurer would then analyze his risk as a driver and charge accordingly.