SPRINGFIELD — The car insurance policy said it wouldn’t pay out if a specific driver was behind the wheel, and it didn’t — even when the crash happened in a separate car.Now Illinois’ high court has called foul on the named driver exclusion clause, ruling the line in the contract violated public policy.Plaintiff Phougeun Thounsavath was the passenger in a car owned and insured by her friend Clinton Evans during a crash in 2012. When his policy wasn’t enough to cover her medical bills …