Which option excludes a named driver from coverage under the policy?

The correct choice is associated with the OPCF 28/28A, commonly known as the "Exclusion of Named Driver" endorsement. This endorsement is utilized when the policyholder wishes to specifically exclude a named individual from being covered under their automobile insurance policy. When this endorsement is in place, the excluded driver has no protection under the policy, meaning that if they operate the vehicle and become involved in an accident, the insurance will not cover any resulting damages or liabilities.

Understanding this is important because managing who is covered under a policy can significantly affect both premium costs and liability exposure. It's crucial for policyholders to use this endorsement thoughtfully, as excluding a driver could lead to gaps in coverage for them and potentially substantial financial consequences if an accident occurs while the excluded driver is operating the vehicle.

The other endorsements—such as OPCF 27 (which provides coverage for loss of use of a vehicle), OPCF 35 (which relates to a family protection endorsement), and OPCF 39 (which provides coverage for vehicles registered but not regularly driven)—do not pertain to excluding a named driver from coverage. Therefore, those options do not serve the same purpose as the OPCF 28/28A endorsement.