Who pays with car insurance in wifes name with title owner husband is sued for more than liability insurance?

This will of course vary by state. Typically after the insurance route is exhuasted then they go after the driver then owner. If married then both. Just remember they always ask for more than whats available. Your ins company should be negotiating on your behalf for a resonable settlement. They want this to be settled quickly. depending on what the circumstances of the situation is, one never knows what the outcome may be.