Yes, some of your own automobile insurance can cover you while driving your friends car. The coverage that your friend has on the car will be the primary coverage and then if that coverage is insufficient for the damage caused then you can go to your own policy for additional coverage.
Primary insurance coverage is what is first used when a medical service is being rendered. This is what will be billed first. Secondary insurance is supposed to cover what the primary insurance does not.
== == If secondary insurance denies coverage, YOU get to pay the bill. == ==
Yes, if the secondary insurance plan covers it In the pharmacy (drugs) world of primary and secondary coverage, this is true.
"Star Health Insurance offers coverage in outpatient care, emergency room assistance, hospitalization, pharmaceutical care, and coverage with your primary care provider."
In most cases a secondary insurance would compensate coverage were the primary insurance does not. Exceptions apply to the prescription drug type and coverage limitations.
Your state may have varying laws about dual coverage, but generally speaking, if you have a primary insurance, they will pay first. Any co-pay or deductible that your primary coverage does not pay will be covered by government insurance.
The policy with the broadest scope of coverage is primary. The other policy with less coverage would be considered secondary and does not invoke until or unless the coverage from the primary policy is exhausted.
Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary coverage over and above your coverage to protect them in case of an accident. Their coverage insists that you as the employee have primary insurance on your vehicle. Also note that the company insurance will not pay for damage to your vehicle.
Sure, why not?