Modifying priority of insurance coverage for drivers of certain vehicles provided by entities

This bill modifies insurance coverage rules for drivers using vehicles provided by businesses that sell, repair, lease, or service motor vehicles. It establishes that the driver's personal auto insurance will be primary coverage, while the business's insurance acts as secondary coverage when the vehicle is used as a replacement while the driver's own car is being repaired or serviced. The change applies only when no additional payment is made for the vehicle's use and the driver has the business owner's permission. An exception exists for employees using company vehicles during work hours, where the business's insurance remains primary.