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Harvey is driving his own SUV on his employer's business when he has an accident. Harvey has a personal auto policy ( PAP ) that
Harvey is driving his own SUV on his employer's business when he has an accident. Harvey has a personal auto policy PAP that provides liability coverage on his SUV, and the employer has a business auto policy BAP that provides liability coverage on "all autos" using symbol How does the liability coverage of these two policies apply in this situation?
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a The BAP and the PAP both provide primary coverage, which might result in duplicate payments to an injured claimant.
b The PAP provides no coverage and the BAP applies on a primary basis.
c The BAP provides excess coverage over the limits of Harvey's PAP.
d The BAP provides no coverage, so if there is any coverage, it will have to come from Harvey's PAP.
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