Physical Damage coverage for a non-owned auto is classified as what type of coverage?

In a Personal Auto Policy, Physical Damage coverage for a non-owned auto is classified as excess coverage. This means that when a policyholder is driving a vehicle that they do not own, the policy will provide coverage for damages, but only after any other applicable insurance has been exhausted.

For example, if the policyholder is in an accident while driving a rented or borrowed vehicle, the coverage from their personal auto policy acts as a secondary layer of protection, meaning any claims would first need to be settled through the primary insurance coverage of the vehicle owner or any other applicable insurance before the personal policy kicks in. This is critical as it ensures that the main liability rests with the vehicle owner's insurance, while the policyholder's personal coverage acts as a backup.

The other types of coverages mentioned do not accurately describe this scenario. Primary coverage would imply that the personal auto policy is the first line of defense, which is not the case with non-owned vehicles. Limited and comprehensive coverages refer to specific types of coverage rather than the placement of the coverage--comprehensive generally refers to protection against non-collision-related damages, while limited coverage typically denotes restrictions in the amount or scenarios in which the policy applies.