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heres another good one you may want to check with your insurance company on.
if you and your wife have different insurance companies , like i got married a year and a half ago, i had geico my wife had all state. we kept our respective policies for a while. we found out we couldnt drive each others vehicles. while a person can loan his car to anyone they want and they are covered most companies consider a husband and wife owners of the vehicle for insurance purposes even if the title is in each others name. since a husband or wife are owners if one is not listed on the policy they are considered an un-insured owner.
if you drive someone elses car your own insurance only serves as a back up for liability after the owner of the vehicles policy limits are reached. there is no property coverage either carried over when you drive someone elses car although i wonder what happens if you hit a very expensive car thats exceeded the property limit on the base policy of the persons car you are driving. . so i guess they can be right saying your not insured as husband and wife when driving each others cars if you have different companies.
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