How is the term 'impaired' defined in insurance policies?

The term 'impaired' in insurance policies refers to a state in which an individual's ability to operate a vehicle safely is compromised due to the influence of substances. This typically includes impairment from both alcohol and drugs, as both can significantly alter one’s mental and physical capabilities, thus increasing the risk of accidents. Such definitions are crucial in determining liability in the event of an accident, as operating a vehicle while impaired is often a violation of laws and insurance agreements.

The other options do not encapsulate the full scope of what it means to be impaired. Being under the influence of medication alone does not account for impairment from other substances, specifically alcohol, which is crucial in defining impaired driving. Driving with a valid license relates to legal compliance rather than an individual's state of ability while driving, and feeling drowsy does not necessarily equate to being impaired in the context of substance influence, although it can affect driving performance. Thus, the correct definition of 'impaired' includes the significant risk associated with both alcohol and drugs.