CO joint ownership of vehicle and insurance

i am trying to understand the concept of Co joint ownership of vehicle with my spouse and its affect on insurance.

I understand both our histories are assessed when deciding the premium but lets consider one following scenario:



I have a car with my own insurance(Insurance company#1 ) that's under my name with my own policy

I have another car that is co joint with my spouse and policy (insurance company # 2) is for her as primary and me as secondary on this car



Now lets say God forbid she gets in accident and wrecks her car and doesn't buy another car and insurance, Will that affect my premiums which i have for my own car with insurance company number 1?



Keep in mind both policies are with two different companies.