Units
In almost all cases where spells are cast at an enemy they are cast at a unit. Remember, the term 'unit' covers all models which are acting as a single body, and so includes regiments of troops, characters on their own, batteries of machines, squadrons of chariots, and so on.
If a character is with a regiment of troops, battery of machines, etc, he is part of the unit and is affected by a spell if it affects all the unit. For example, a Fear, Bless or Net spell affects an entire unit including any characters accompanying it.
If a spell inflicts a number of hits or wounds on a unit, then any characters with the unit are treated in the same way as if the unit were shot at by bowmen or hit by a stone thrower. Generally speaking, this means characters are not harmed by such spells. An example is the Destruction spell which causes 2D6 S4 hits on a unit. Where a template is used or where the spell affects all models under a direct line (like a cannon) then the "Look Out Sir!' rule can be used to save characters as described in the Warhammer rulebook.
Model
In some cases the target of a spell is specifically a model rather than a unit. This means the spell can be cast at any individual model within range, including at a character who is with a unit. Examples include the Battle Magic Fireball and Blast spells. If cast against chariots, ridden monsters or war machines, hits from these spells are randomised amongst crew, etc, in the same way as hits from shooting (exceptions are noted on the cards or in the following summaries). Many spells cast in this manner require line of sight as described below. Where a spell is directed specifically against a model the Look Out Sir! rule does not apply the spell has the character's name on it.