PLOhiomedium
Under R.C. 3937.31, what is the principal effect of a properly executed named driver exclusion endorsement on an Ohio private passenger auto policy?
AThe excluded driver receives reduced PIP benefits only
BThe excluded driver must purchase a separate SR-22 policy in addition to coverage on the household policy, and the exclusion does not affect liability or UM/UIM
The policy provides no liability, UM/UIM, or physical damage coverage while the excluded individual is operating a covered auto
DThe exclusion applies only to comprehensive losses
Why this is the answer
R.C. 3937.31 permits a named driver exclusion endorsement on Ohio private passenger auto policies. When validly executed by the named insured, no coverage — including liability, UM/UIM, and physical damage — applies for any loss that occurs while the excluded driver is operating a vehicle described in the policy.
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