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Borrowed or Rented Vehicles
If I borrow a car from a friend or relative for a short time while my vehicle is being repaired, will my policy cover me while I am driving the borrowed car?
The policy covering the vehicle would be primary and in most cases, your policy would cover the vehicle on an excess basis. If no policy covers the borrowed car, most companies will treat your policy as the primary coverage for the borrowed car.
What do you mean by primary and excess basis?
Primary means that policy will provide coverage first, and excess means that policy will provide coverage after the limits of the primary policy have been exhausted.
If I rent a truck to move my personal property, will my personal auto policy provide any coverage for the rental truck?
No. Most personal auto policies do not provide any coverage for the rental truck.