Under what circumstances will this coverage be important to have?

There are situations where an accident occurs when either the husband or wife are driving and may be negligent in whole or in part causing injury to the other. The spouse wants to recover for their pain and suffering and other losses and wants to sue. Without this coverage the potential recovery will be against the personal assets of the other. If there is insurance, the insurance carrier will be responsible to pay up to the limits of the insurance coverage.