Originally Posted by sba110

It some situation, you're correct, in others, you aren't.

You can't make a general statement about insurance like that. People have different policies with different rules, and there are certainly situations in which your personal insurance covers other drivers besides your spouse.

And they might even do so if they're driving the car that they aren't authorized to drive. Then some people have umbrella liability policies. It's too complicated to give a single answer.