HI HB125

Authorizes insurers to exclude, cancel, or refuse coverage for designated operators under motor vehicle insurance policies, with exclusions requiring acknowledgment by signature of all named insureds.

Prohibits any person from knowingly operating a motor vehicle from which they are excluded from coverage, unless that person is covered under another applicable motor vehicle insurance policy.

Modifies the definition of "insured" to exclude operators who are named and excluded under a valid endorsement, preventing household members designated as excluded operators from receiving coverage.

Disqualifies named insureds who rejected uninsured motorist coverage or knowingly allowed operation by an excluded operator from claiming benefits against the insurer for bodily injury liability claims.

Disqualifies excluded operators from receiving plan benefits if they were operating a vehicle from which they were excluded at the time of an accident causing their accidental harm.