In the event of a loss while you are driving a friend's car, your friend's insurance is primary coverage, or the first payee in a situation where two or more coverages apply, and your insurance is excess coverage.

Question

Quizplus · Accepted Answer

In most cases, when you are driving a friend's car with their permission, their auto insurance would be considered the primary coverage in the event of an accident or loss. Your own auto insurance would typically serve as secondary or excess coverage, kicking in only if the limits of your friend's policy are exceeded.

In the Event of a Loss While You Are Driving