The law they are referring to is in reference to listing or excluding all residents in a household. Vicarious liability exists when you have residents that aren't included or excluded (known about but accounted for) on a policy.

Typically, you can not keep them separate. This is the guidelines of the companies. If they are filled that way you have to provide the information or may be subject to cancellation. You should also check with your company, you may need to list her on your policy as well . If your spouse has a claim against them, you can be held responsible and/or your company may be held responsible. This is the reason the companies want both listed.

It may be more advantageous (cost-efficient) for you to have one policy with both driver and both vehicles. Typically, a rate is derived by rating a vehicle to a person. Therefore, if you have 2 separate policies where there are 2 drivers and one vehicle (on each policy). The same driver may be rated (as primary) on both policies if he/she is a higher "risk" than the other.

In addition, with one policy you will typically be eligible for a multi-vehicle discount.

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