Under the personal auto policy, liability for bodily injury resulting from the insured's use of a nonowned automobile is?

The liability for bodily injury that occurs while using a nonowned automobile under a personal auto policy is provided on an excess basis. This means that if the insured is driving a vehicle that they do not own, the personal auto policy will cover any liability claims only after the primary coverage provided by the vehicle's owner's policy has been exhausted.

In practical terms, if an accident occurs while the insured is driving a rented or borrowed vehicle, the owner's insurance policy will kick in first to cover the damages. The personal auto policy will then come into play to cover any remaining amounts, adhering to the conditions that are outlined in the policy. This excess coverage is crucial, as it allows the insured to have additional protection without taking away from the primary coverage that should first apply. Consequently, it is essential for individuals to understand how their personal auto policy responds in conjunction with other auto insurance policies, especially when driving nonowned vehicles.