In the event Hank causes damage while driving a neighbor's car, whose insurance would be primary?

In this scenario, the primary insurance that would respond to damage caused while Hank is driving the neighbor's car is the neighbor's Personal Auto policy. This is because the insurance coverage for a vehicle typically follows the vehicle itself rather than the driver.

The neighbor’s policy provides coverage for anyone who is authorized to drive the car, therefore Hank’s actions while driving the neighbor's vehicle would trigger the neighbor's coverage first. If the damages exceeded the limits of the neighbor's policy or if there were circumstances where additional coverage might be needed, then Hank's policy could potentially come into play as secondary coverage. However, the neighbor's insurance is considered primary because the loss occurred in their vehicle.

This principle is anchored in the standard provisions of personal auto insurance policies, which designate vehicle ownership as the deciding factor in determining primary coverage.