Both of the auto policies Phoungeun Thounsavath purchased from State Farm Mutual Automobile Insurance Co. contained a “named-driver exclusion” that targeted Clinton M. Evans. In all capital letters, the exclusion declared: “It is agreed we shall not be liable and no liability or obligation of any kind shall attach to us for bodily injury, loss or damage under any of the coverages of this policy while any motor vehicle is operated by: Clinton M. Evans.”Thounsavath was injured while riding as a …