Which of the following statements is true regarding excess coverage?

The statement regarding excess coverage that is true is that it applies only to non-owned vehicles. Excess coverage typically refers to a type of insurance that pays for claims after the limits of the primary insurance policy have been exhausted.

When related to non-owned vehicles, excess coverage can provide additional protection in situations where an individual is driving a vehicle that they do not own. For example, if someone borrows a friend's car and gets into an accident, the friend's liability insurance would be considered primary coverage, while any excess coverage maintained by the borrower would kick in after the primary limits are reached.

This concept helps policyholders understand the limitations and sequence of coverage, emphasizing how different policies work together in a claims situation. Excess coverage does not apply first, nor is it considered primary coverage; instead, it complements other forms of insurance. Additionally, excess coverage is not mandated by law, making its application specific to personal choices and circumstances rather than legal requirements.