McMillan v. AUTO CLUB INS ASS'N

I must dissent.

The plaintiffs insurance policy contained the following provision under the heading "Authorization for Excluded Driver”:

warning — When a named excluded person operates a vehicle all liability coverage is void — no one is insured. Owners of the vehicle and others legally responsible for the acts of the named excluded person remain fully personally liable.

MCL 500.3009(2); MSA 24.13009(2) authorizes use of a named-driver exclusion:

If authorized by the insured, automobile liability or motor vehicle liability coverage may be excluded when a vehicle is operated by a named person.

This…