John does not own a vehicle and borrows a friend's car and has an accident. John carries named non-owned auto coverage. Which of the following applies to the accident?

John does not own a vehicle and borrows a friend's car and has an accident. John carries named non-owned auto coverage. Which of the following applies to the accident?



John's coverage is excess


The friend's coverage is excess since John has coverage


Both companies would share in the claim equally


John's coverage would pay the majority of the claim



Answer: John's coverage is excess

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