Which provision allows for insuring family members except for a named individual with a poor driving record under a personal auto policy (PAP)?

The named driver exclusion provision is designed to allow insurance companies to exclude specific individuals from coverage under a personal auto policy (PAP), especially when those individuals have a poor driving record. This means that while the policy will cover the policyholder and other family members, it explicitly does not cover the excluded individual.

This provision is particularly useful for families where an individual may have a history of accidents or violations that could raise the risk and premiums associated with the insurance policy. By using this provision, the insurance company can manage its risk exposure while still providing coverage to the other drivers in the household who have a better driving history.

The other options refer to different aspects of auto insurance coverage but do not address the specific scenario of excluding a driver due to a poor record while allowing coverage for family members. Personal injury protection focuses on medical expenses and loss of income rather than driver exclusions. Extended non-owned coverage pertains to situations involving vehicles not owned by the insured, and joint ownership coverage relates to policies that cover vehicles owned by multiple individuals.