Primary Coverage v. Excess Coverage under a PAP

We have a question on the primacy of coverage between auto policies of rental car vendors and our insureds. If the rental car is damaged while the insured is driving it, or is found damaged by the insured after he left it in a store's parking lot, is the insured's personal auto policy going to provide coverage on a primary basis, or on an excess basis to that of the rental car vendor's policy?

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