Glossary term
Secondary (excess) coverage
Secondary (excess) coverage: Coverage that pays after another policy's limits are exhausted—how a non-owner policy usually works in a borrowed car.
Where this term matters
Guides and entries on this site that use the term.
Guide
What Non-Owner Car Insurance Is
Non-owner car insurance explained: liability coverage for drivers who do not own a car, what it includes and excludes, and how it works with the car owner's policy.
Guide
Non-Owner Insurance vs Rental Car Insurance
How a non-owner policy compares with the rental counter's liability supplement and damage waiver, and with credit-card rental coverage.
Guide
Insurance When You Borrow Someone Else's Car
How coverage works when you drive a friend's or relative's car—permissive use, whose policy pays, what happens on a claim, and when you should be listed instead.
Entry
Whose Insurance Pays After an Accident in a Borrowed Car?
Discover how primary and secondary insurance interact when you crash a borrowed car, how permissive use operates, and why non-owner coverage protects your assets.