PLOhiomedium
Under R.C. 3937.31, an Ohio personal auto named-driver exclusion endorsement, when properly executed, has what effect when the excluded driver operates the covered vehicle and causes a loss?
ACoverage applies but at reduced limits
Coverage is excluded for the excluded driver's operation; the carrier owes no defense or indemnity for losses arising from that operation
CCoverage applies for liability but not physical damage
DThe exclusion is unenforceable as against public policy, so the insurer must still provide full coverage to the excluded driver and all other listed operators of the covered vehicle
Why this is the answer
R.C. 3937.31 authorizes carriers to issue a named-driver exclusion endorsement at the request or with consent of the named insured. When the excluded driver operates the covered vehicle, the policy provides no liability, UM/UIM, or physical damage coverage for that operation, and the carrier has no duty to defend resulting claims.
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