1. (a) An insurance company that excludes coverage described in section 5 of this chapter has no duty to defend or indemnify a claim for coverage that is expressly excluded under a motor vehicle insurance policy.

2. (b) This chapter does not invalidate or limit an exclusion:

   1. (1) of coverage for a personal vehicle that is used for delivery or any other business use; and

   2. (2) contained in a motor vehicle insurance policy;

      including a policy filed under IC 27-1-22-4 or in use in Indiana before July 1, 2024.

3. (c) An insurance company that defends or indemnifies a claim against a DNC driver for which coverage is excluded under the terms of a motor vehicle insurance policy has a right of contribution against any other insurance company that issues motor vehicle insurance coverage to the DNC driver:

   1. (1) in satisfaction of the requirements of section 3 of this chapter; and
   2. (2) in effect at the time the loss occurs.

As added by P.L.215-2023, SEC.10.