Supplemental Spousal Liability Insurance

[Jeb-NY]

I need an opinion and knew this was a good place to get it.

I have a new auto insurance policy and it has a line for Supplemental spousal liability insurance and charge $21 for each of two cars. From what the agent tells me and what I can find on the web they are required to offer this on new policies in New York. Here is what one document says:

Supplemental spousal liability insurance provides bodily injury liability coverage under a
motor vehicle insurance policy to cover the liability of an insured spouse because of the
death of or injury to his or her spouse, even where the injured spouse must prove the
culpable conduct of the insured spouse.

So as I understand it if I did something that could be considered negligent in my driving that caused injury or death to my wife she could sue me.

I can't imagine this being worth $42/year, am I missing something?

Jeb