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

Liability for bodily injury from a nonowned automobile under a personal auto policy is covered on an excess basis. This means that if an insured is driving a vehicle that they do not own and gets into an accident, the personal auto policy will provide coverage only after the primary coverage, usually provided by the vehicle owner's policy, has been exhausted.

This excess coverage is essential because it helps to ensure that the insured has financial protection when using a vehicle that is not their own, but it is contingent upon the primary coverage being available from the owner’s policy. If the owner's policy does not apply or the limits of that policy are reached, then the personal auto policy kicks in to provide additional coverage.

Other options might suggest different methods of coverage not aligned with standard practices. For example, suggesting coverage on a primary basis would mean the personal policy would be the first to respond, which contradicts how liability coverage typically works for nonowned cars. A rider specification implies that coverage is not standard, which isn’t the case for personal auto policies. Considering the shared responsibility with the vehicle owner's policy is vital in understanding how liability operates in these situations.