If a Reliant Missionary drives their personal car (or even borrows a friend’s car) and gets into an accident when conducting Reliant ministry business, generally the member's personal auto insurance policy is primary for both collision damage to their vehicle (or the one they borrowed) and, if applicable, any damage done to the other vehicle that was hit.
Both Reliant’s mileage reimbursement rate and the local mileage Ministry Expense Bonus are set at levels which allow the Reliant Missionary to purchase adequate auto insurance coverage for their personal vehicles that will be driven for Reliant ministry purposes.
For any non-ministry personal travel using your own vehicle, Reliant’s coverages obviously do not apply.