Not entirely true either. If I borrow your car and u have no insurance, my policy covers me in that vehicle. But will only pay out for the other damages-not to your vehicle.
What I am getting at is that there are so many variables here that we don't know, after all it was on the NEWS. I do want to hear the outcome.
Your personal policy is not going to override the vehicle owners policy. Driving somebody elses uninsured vehicle is a whole 'nother can of worms. You can not have tags and not have some sort of liability policy. Here comes BMV suspending the owners license and other nice things.
Might be a good question for LEO heres too. You might even get a ticket in the situation you brought up.