If John borrows a friend's car and has an accident, which statement is true regarding his named non-owned auto coverage?

The assertion that John's coverage is excess is accurate because named non-owned auto coverage typically acts as supplementary insurance. This means that when a named individual borrows a vehicle, their own policy generally provides coverage secondarily, meaning it would kick in after any primary insurance, such as the car owner's policy, has been exhausted.

In the event of an accident, the friend's insurance would primarily cover the damages, while John's policy would only respond if the limits of the friend's coverage are insufficient to cover the losses. This setup protects the car owner and ensures that their insurance is the first line of defense when someone else is driving their vehicle. Therefore, in instances like these, the main principle is that John's policy acts as excess, supporting the primary coverage provided by the owner of the vehicle.