An Illinois auto policy contains a properly executed named driver exclusion endorsement removing the policyholder's adult son from coverage. The son drives a covered vehicle and causes a serious accident. The policy will:

Why this is the answer

Illinois permits insurers to use a named driver exclusion endorsement that, when signed by the named insured, removes liability, UM/UIM, MedPay, and physical damage coverage for accidents in which the excluded driver was operating the covered vehicle. Insurers commonly use exclusions to write policies for households containing high-risk drivers. Producers must obtain the named insured's written signature and clearly explain the consequences.