If personal insurance doesn't cover it, then you have no 'primary' insurance, and the NAR insurance kicks in.
BTW, unless I missed a change (and I'm sure someone will correct me if I'm wrong), TRA insurance doesn't cover member to member incidents. So if Phil's rocket hits Kevin's car, there is no coverage at all.
Bob Kaplow NAR # 18L >>> To reply, there's no internet on Mars (yet)!