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| • | Deductible - The amount an insured person must pay before insurance companies pay the remainder of each covered loss, up to the policy limits. |
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| • | Defensive Driver Course - These are classes either offered through or approved by Departments of Motor Vehicles to enhance driving skills. These courses may make drivers eligible for discounts on their premiums. Courses taken for traffic school because of a moving violation are not eligible. |
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| • | Drive-Other-Car Endorsement - Optional coverage that broadens the definition of a covered auto to include non-owned vehicles the insured person operates. |
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| • | Driver Education - State accredited educational course that consist of at least 30 hours of professional classroom instruction. |
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| • | Driver Fitness Discount - Operators who are 70 years old or older are classified as 'with Driving Fitness' if all such operators listed on the policy have provided, within the last year, certification from a licensed physician that the operator's vision, health and physical condition permit the safe operation of a motor vehicle. |
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| • | Driver Training - State accredited training course that consists of at least six hours of behind-the-wheel professional instruction. |
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| • | Drugs And Alcohol Awareness Training Discount - Available in Texas only, this discount is applied when insured submits proof of voluntary attendance and successful completion of a drug and alcohol driving awareness program that has been approved by the Texas Education Agency under the Texas Driver and Traffic Safety Education Act. |
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