Under a personal auto policy, liability for bodily injury that results from the use of a nonowned automobile is covered how?

Liability for bodily injury that results from the use of a nonowned automobile is covered on an excess basis under a personal auto policy. This means that if an insured person is driving a car that they do not own and gets into an accident, the personal auto policy will only cover the liability after any other applicable insurance has been exhausted.

In practice, this situation occurs when the driver is operating another person's vehicle, and that vehicle's insurance policy is considered the primary coverage. If the primary coverage limits are reached or if the other driver's policy does not provide enough coverage for the damages caused, then the excess coverage from the driver's personal auto policy would come into play to cover any remaining liability. This allows for a layer of protection without providing redundant coverage for the same risk that is already addressed by the primary policy of the nonowned vehicle.