§ 26.1-40-16 — Exclusion of named persons - Restrictive endorsements

By written agreement with the named insured, a private passenger automobile insurance
policy covering an automobile or other motor vehicle registered or principally garaged in this
state may exclude a named individual, individuals, or class of individuals from coverage. The
policy may contain a restrictive endorsement reducing the limits of liability, uninsured motorist
coverage, underinsured motorist coverage, basic no-fault benefits coverage, or collision
coverage while the vehicle is operated by a named individual or class of individuals. However, if
the policy does provide liability coverage to a person named in a restrictive endorsement, the
coverage may not be less than the minimum provided under section 26.1-40-15.2, section
26.1-40-15.3, subsection 2 of section 26.1-41-01, and section 39-16.1-11. If the policy excludes
a named individual, individuals, or class of individuals from all coverage and the named insured
expressly or impliedly consents to the operation of a secured motor vehicle by the excluded
party, the named insured is not relieved of personal liability as provided by subsection 5 of
section 26.1-41-02.