I was told that in the state of Ohio, the vehicle that causes the accident, that vehicle's liability insurance covers the at fault accident, then that insurance goes after the driver of the vehicle.
So I am driving your car, which only has liability coverage. I have my own insurance. I run a red light and slam into someone. Your car's liability coverage covers the damage to the other people's cars and medical bills. My liability coverage covers the damage that I did to your car.
I dunno, that is just what the lawyer told me. The vehicle that caused the accident is primary for the 2nd party, and the driver is primary for the 1st party.