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What is supplemental spousal liability car insurance in New York?

I'm buying a car insurance policy in New York. When I was researching, I found that I can add supplemental spousal liability car insurance. What does this cover?

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Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Supplemental spousal
liability insurance
is a policy that says you can recover damages from your spouse if they’re driving and you get into an accident.
Few people ever get this type of insurance unless they’re legally separated or have a prenuptial agreement. If you’re in a happy marriage, this coverage is probably unnecessary.”
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