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?

“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.”
Eric Schad
Answered on Apr 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.

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