Is community property at risk if the wife harms somebody driving?

Your car insurance should cover all costs up to the policy limits. After that, all of your wife's assets including community property may be at risk.

You ask two different questions. As to whether insurance will cover all costs, you need to consult your written insurance policy. If you don't have it, or if it is not comprehensible, ask the agent who sold it to you to explain its provisions, limitations and deductibles. As to marital or community property, in this marital property State (Wisconsin), a spouse's interest in community property has a low priority in terms of where a creditor can look for payment. After insurance, next up for payment is the wrongdoer's separate property. Then his or her interest in marital property. Generally the non-offending spouse's interest in marital property comes after, and may be exempt. Since this state has rather generous exemptions of property from creditors, there may not be anything, community or other, which they could reach.

1 Florida is not a community property state 2, Insurance may or may not cover damages. For example there is no insurance if a driver was DUI or otherwise impaired.