Allende,

There could definitely be some "overlap" of the owner's PAP coverage with the Named Nonowner coverage, in which case the owner's coverage would apply first.  But remember that Med Pay and UM are optional coverage, so the vehicle's PAP may not have this coverage.  Also, if I did not own a vehicle and I had regular useof  a vehicle with only 10/20/10 liability, I would want additional liability coverage. If the driver who does not own the vehicle is at-fault in an accident, they will be sued along with the vehicle owner if they do not carry enough liability coverage.

Jan