Within the state of Texas, merely being on a vehicle title is not enough to make you liable for a car accident caused by a co-owner. If the husband drives the cars in other states, some states do have broader owner liability principles so that may change.

The inheritance should be kept in an account that is solely in the woman's name and not mixed with any marital assets, so that it is clear that it is a separate asset. She should not put any other money into that account from sources that could give her husband a basis to claim that the money is a marital asset or has merged with the marital estate, including her paychecks.

The woman should consider proceeding with a divorce, so that she can put these issues and complications into the past.