No coverage means no coverage. Really.By signing the exclusion on her spouse, it means that when he gets of jail and comes home, he would be unable to drive the insured car since there would be no auto insurance coverage extended to him. If he drove the car while excluded and was in an accident, the couple would be held personally responsible for all the damages they caused.
If when he returns home and gets his license back her husband wants to drive, then she will need terminate the exclusion and add him to the policy as a driver. This will of course raise their rates again due the high risk he poses to insurance providers. Also, if he must obtain an SR-22 to get his license back, then they will need to find a car insurance company that will file this with the state on his behalf.Insurance companies rating systems vary significantly, so your daughter needs to comparison shop for the car insurance company that give her the best car insurance rates for her particular situation. If she can't find one that will exclude her husband, have her contact the state's insurance regulator for consumer advice on which companies in her area offer this.