Final answer:
In this scenario, the car owner's insurance coverage would be primary and your insurance coverage would be excess. When you borrow someone else's car, their insurance policy typically provides primary coverage.
Step-by-step explanation:
In this scenario, since you are driving someone else's car and get in an at-fault wreck, the car owner's insurance coverage would be primary and your insurance coverage would be excess.
When you borrow someone else's car, their insurance policy typically provides primary coverage. This means that their insurance would be responsible for paying for damages resulting from the accident. Your insurance policy would then act as excess coverage, meaning it would only come into play if the car owner's insurance policy limits are exhausted.
It's important to note that insurance policies can vary, so it's always a good idea to consult the specific terms and conditions of the car owner's insurance policy to determine the exact coverage in this situation.