Phantom Song

HELP! I'm desperately trying to recall a specific song from the late 80's - early 90's, but I haven't heard it in yeeeears and as such, can't remember any lyric snippets, singer, anything.

Was listening to Melissa Etheridge's "I Want to Come Over" on the way home from work, and her voice reminded me of this phantom song.... which oddly enough, I adored as a child and would sing along as I cradled my little black radio in my lap. Odd, I say, because of the nature of the song. Essentially, the woman is driving along in the rain and picks up a young man standing on the side of the road. They have a one-night (maybe multiple-night) stand. The song mostly consists of her telling him that she needed something only he could provide, how great it was, and that if he sees her on the street with her boyfriend, to not be surprised if she acts like she doesn't know him. Or something to that effect. It's annoying the piss out of me that I can't remember this song.... annoying to the point that it is consuming my entire evening type annoying.

Somebody, PLEASE! help me figure out this song!!