Question

True or False

For someone who is less than 25 years old qualify for the Defensive Driving Discount, they must have:
1 - committed no traffic offenses for the previous five (5) years or since licensure, whichever is shorter
2 - no at-fault claims against insurer in the previous three (3) years
3 - complete an approved Driver's Training course of not less than thirty (30) hours

Answer 1

To qualify for the Defensive Driving Discount, it is True that a person under 25 years must have no traffic offenses for 5 years or since licensure, no at-fault insurance claims for 3 years, and complete an approved 30-hour Driver's Training course.

Step-by-step explanation:

The statement is True. To qualify for the Defensive Driving Discount, a person under 25 years of age must meet several criteria:

1. The individual must have committed no traffic offenses for the past five (5) years or since licensure, whichever is shorter. This is indicative of a responsible driving history.
2. They must not have any at-fault claims against their insurer in the past three (3) years. This shows a record of careful driving without causing accidents.
3. Finally, they must complete an approved Driver's Training course spanning no less than thirty (30) hours. This requirement ensures that the driver has been adequately educated on defensive driving techniques.

These criteria are designed to incentivize safe driving habits among younger drivers, who statistically represent a higher risk to insurers. Each requirement contributes to establishing a pattern of responsible and safe driving behavior which insurance companies reward with discounts.