Car Insurance for Dementia Sufferers

Car insurance for dementia sufferers specifically does not exist, but a high number of claims due to cognitive defects can cause rates to increase. Dementia can also be a cause for a company to cancel or not renew a policy.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • The elderly and those with dementia should follow a few safety tips
  • There are a few characteristics that every elderly person should look for in a car
  • Comparing insurance policies can give those with dementia a clear advantage

Aging gracefully isn’t easy, and the subject of driving doesn’t get any easier as we get older.

Can you drive with dementia? For the elderly, driving can become a daunting, if not impossible task. For those with a chronic impairment, like dementia or Alzheimer’s, this can be even more difficult.

If you or someone you love suffers from dementia, there are steps you can take to ensure that you are safe while on the road.

If you are also looking for better auto insurance, start comparison shopping today by entering your zip code above!

Safety Tips for Elderly Drivers

Defensive Driving Courses

Defensive driving courses can be a great way for elderly individuals to improve their driving skills.

These courses allow individuals to learn about the latest techniques in defensive driving.

Our roadways and the laws that govern them are ever changing. These courses give individuals the latest information regarding how to stay safe on the road.

They also allow individuals the opportunity to self-assess the areas where they need improvement!

AARP and AAA both offer great programs for their members. There are also third party companies that offer these programs for a relatively low price.

Individuals can check with their local DMV office for info regarding defensive driving courses in their areas.

Make Sure You Are Well

Can you still drive with early-onset dementia? While cognitive and memory loss issues don’t necessarily mean it’s time to give up the keys, there could be other issues that could impair a person’s ability to safely drive.

Every elderly person should consult with their physician regarding their health and how it affects their ability to operate a motor vehicle.

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A physician can inform individuals as to whether any medication they are taking or an illness might cause them to lose consciousness or impair the ability to operate a vehicle.

It’s also a good idea for elderly individuals to have their eyes checked annually. An ophthalmologist can give them the green light to drive or adjust their prescription eyewear.

Allow Someone to Track You

Should a person with dementia be left alone? The idea of being tracked isn’t pleasant for most people. It feels like a violation of privacy and relinquishing of freedom, but it could save an elderly person’s life.

GPS technology allows a friend, loved one, or caretaker track someone with dementia or cognitive disabilities.

Tracking devices can be worn as a bracelet or necklace. They can also be placed in a vehicle that is frequently used.

This proactive step can save an elderly person from being the subject of a silver alert.

The loved one, friend, or caretaker tracking the person can see where they are at all times and can ensure that they remain safe.

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Characteristics The Elderly Should Look for In a Car

Safety Features

Many vehicles on the road today have advanced safety features. There are vehicles that can even drive themselves!

Some of these safety features include:

  • Blind-spot monitoring
  • Lane departure warning or assist
  • Backup cameras
  • Parallel parking assistance
  • Forward collision warning or breaking
  • Sensors that warn of a potential collision

The more of these features that a vehicle has, the safer it is for an elderly person to operate.

With reaction times deteriorating as we age, features like forward collision warning can prevent elderly individuals from traffic accidents.

Comfort

A comfortable ride is important for elderly individuals. Low road noise, comfortable seats, and automatic climate control can reduce unnecessary distractions while driving.

While many people would consider these things to be creature comforts, they can save an elderly person from trying to adjust these settings while operating their vehicle.

Car Insurance for Dementia Sufferers and Comparing Policies

Insurance companies don’t assess the health of individuals when evaluating auto rates and whether or not they will insure an individual.

Instead, they analyze age groups as a whole and assess the individual driving records to determine rates and insurability.

There is no auto insurance policy that exists solely for those with dementia; however, there are some things to consider when driving with dementia.

A high number of claims in a short amount of time, due to cognitive deficits or dementia, can cause an individual’s rates to increase. Dementia can also be cause for an insurance company to cancel or non-renew a policy.

Each state sets guidelines for the time frame that an insurance company must notify its customers before canceling a policy.

Senior citizens and those with dementia should compare policies to find those that are most advantageous for the elderly.

Evaluating whether a company surcharges aging individuals is one way to ensure that you get the best deal. Many companies charge individuals more in insurance premiums as they get older, while others give discounts.

It is pivotal that you receive as many insurance quotes as possible and assess the key differences between each!

Start comparison shopping today by trying our FREE online quote tool! Enter your zip code below to compare auto insurance rates and get the best offer out there!

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