Georgia Adjuster Practice Test

In Georgia, a premium reduction for a defensive driving course applies under which condition?

1. Only for commercial vehicle insurance

2. For all personal injuries claims

3. For personal or family-type policies with no traffic offenses in three years

4. Only for young drivers under 25

The correct answer is: For personal or family-type policies with no traffic offenses in three years

A premium reduction for a defensive driving course in Georgia is applicable when it pertains to personal or family-type policies and the individual seeking the discount has maintained a clean driving record, meaning they have no traffic offenses within the past three years. This policy encourages safe driving practices by rewarding drivers who invest in defensive driving courses with lower insurance premiums. Such incentives are common in the insurance industry to promote safer driving habits and decrease the likelihood of accidents, which ultimately benefits both the insurance companies and policyholders. Individuals who have not had any traffic violations demonstrate responsible and cautious driving behavior, making them less risky to insure. The other conditions mentioned, such as options related to commercial vehicle insurance, personal injury claims, or age restrictions for discounts, do not align with the established policies for defensive driving course premium reductions in Georgia. These details reinforce the understanding that clean driving records are crucial for benefiting from such premium reductions.