An insured getting into an accident while driving someone else's car would typically rely on which policy for coverage?

When an insured gets into an accident while driving someone else's car, the primary coverage typically comes from the owner’s auto insurance policy. This is because auto insurance is designed to follow the vehicle rather than the driver. In most cases, the owner's policy will provide liability protection and, depending on the specifics of the policy, may also cover damage to the vehicle or medical payments for injuries resulting from the accident.

While the insured's personal auto policy may also offer some coverage, it is often secondary in this situation. This means if the owner's policy limits are exhausted, the insured's policy could provide additional coverage. However, the primary responsibility for coverage lies with the vehicle owner's policy.

Health insurance could cover injuries sustained in the accident, but it does not provide liability or property damage coverage for the accident itself. An umbrella policy is a type of excess liability insurance that provides additional coverage above the limits of other policies but would not be the first line of coverage in this scenario. Thus, the most reliable and immediate source of coverage in this situation is the owner’s auto insurance policy.