Legal Question in Personal Injury in North Carolina

This question has some moving parts i.e. some deleted important facts. One key question is who is listed as the insured on the automobile policy (and I hope you have one) for the personal car. Since this is a hypothetical question that you pose it is tough to give a concrete answer as the facts of any accident would go a large way toward shaping whether you or your spouse have any personal liability. You should consult with a business attorney and review these issues before any actual loss/accident occurs.