the cops are saying my boyfriend will end up
in jail because he has no insurance
Probably not jail, but big fines and maybe suspension of license and registration until he proves he has insurance which will cost him triple what he could have gotten it for before the accident.
You're boyfriend was an idiot for driving without insurance.
And he was negligent for backing out without looking where he was going.
What can he do? Is there a way of paying out
of pocket and staying out of court?
He can negotiate a settlement with the guy on the bike for whatever provable injury or damage that was caused and get a signed release when he pays the money.