If Harry borrows Tom's car and causes an accident, which policy is primary in covering the damages?

When someone borrows a car and gets into an accident, the car owner's insurance typically provides the primary coverage for any damages caused. In this scenario, since Harry borrowed Tom's car, Tom’s auto insurance policy is responsible for covering damages resulting from the accident. This is because the car is insured, and the policy is designed to cover the vehicle's usage by various drivers, as long as they have permission from the owner.

While Harry may have his own auto policy, it generally serves as secondary coverage. Therefore, if there were any damages or liability above what Tom's policy covers, Harry's policy could kick in to assist, but it would not be the primary source of coverage in this situation. The priority lies with the vehicle owner's insurance, which is specifically intended to cover damages that occur while authorized users operate the vehicle.