I do not own a car but drive my boyfriends car and I want to protect myself if I get in an accident.

If you are driving your boyfriend's car and get into an accident, there are the four steps you can take to protect yourself:

1. Make sure you have insurance coverage: Before you even start driving your boyfriend's car, you should make sure you are covered by insurance. Your boyfriend's insurance policy may cover you as a permissive driver (someone who is allowed to drive the car with the owner's permission), but you should double-check with the insurance company to make sure you are covered.
2. Know what coverage is available: Even if you are covered under your boyfriend's insurance policy, you should know what coverage is available in case of an accident. Liability coverage is required by law in most states and covers damage you cause to other people's property or injuries they sustain. Collision coverage is optional and covers damage to the car in case of an accident. Comprehensive coverage is also optional and covers damage from things like theft, vandalism, or natural disasters.
3. Drive safely: The best way to protect yourself in case of an accident is to drive safely and follow traffic laws. This means obeying speed limits, using turn signals, and avoiding distractions like texting or eating while driving.
4. Report the accident: If you are in an accident, you should report it to the police and your insurance company as soon as possible. The police will create a report that documents the details