If Tina collides with another car while borrowing her neighbor's vehicle, whose policy will primarily handle the liability claim?

In a situation where an individual is driving a borrowed vehicle and gets into an accident, the typical practice is that the insurance policy covering the vehicle itself will respond first to any liability claims resulting from the accident. In this case, since Tina was driving her neighbor’s car, her neighbor's auto insurance policy will be considered the primary source of coverage. This is because the policy is designed to cover the vehicle, and liability claims arising from its use will usually be handled under that policy.

Tina's personal auto insurance policy may provide additional coverage, but it typically functions as excess coverage, coming into play only after the primary policy's limits have been exhausted. This reflects the principle that vehicles are insured, rather than drivers, which means that the owner’s insurance takes precedence in cases where the vehicle is being operated by someone else legally.

In summary, the neighbor's policy responds first, making it the primary policy, while Tina's policy serves as excess coverage should the liability exceed the neighbor's policy limits.