Primary and Secondary Responsibility In Auto Insurance: Whose insurance pays the claim?

Primary and Secondary Responsibility In Auto Insurance: Whose insurance pays the claim?

Zena The Insurance Princess - https://zenatheinsuranceprincess.com/  Whose auto insurance is responsible to pay for an accident when the driver of the car AND the owner of the car both have insurance?□

http://www.nicovideo.jp/watch/sm36175308