{"data":{"id":"us-nd/n.d.-cent.-code-26.1-40-16","jurisdiction":"us-nd","citation":"N.D. Cent. Code § 26.1-40-16","heading":"Exclusion of named persons - Restrictive endorsements","body":"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.","path":["Title 26.1 Insurance","Chapter 26.1-40 Automobile Insurance And Warranties"],"source_url":"https://ndlegis.gov/cencode/t26-1c40.pdf","current_through":"2026-07-31T11:12:02","vintage":"","retrieved_at":"2026-09-02T21:04:14Z","sha256":"d88ac86fe39221bd2fc48307c43d3955219d1affbcf605c043a4adef699f7006","source_id":"us-nd","stale":true,"prev":"us-nd/n.d.-cent.-code-26.1-40-15.7","next":"us-nd/n.d.-cent.-code-26.1-40-16.1"},"notice":"GroundRules: Original legal text. Not legal advice."}