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Driving and retirees



  Pensioners' insurance With permission from iii.org

Older drivers keep their driving license longer and drive more miles than ever before. easily injured than younger people and are more likely to have medical complications and die from these injuries.

There is a growing need to help older drivers sharpen their skills as well as recognize their changing abilities and adapt their driving appropriately. Insurance companies have partnered with state and local governments and groups such as AARP and the AAA Foundation for Highway Safety to create programs designed to meet these needs.

Improving Elderly Driver Safety

According to the Governors Highway Safety Administration, impairments have three key areas ̵

1; vision, cognition and motor function – responsible for higher crash rates for older drivers. Vision decreases with age; Cognition, which includes memory and attention, can be affected by medical problems such as dementia and medication effects; and motor function suffers as flexibility decreases due to diseases such as arthritis.

A 2018 report from TRIP, a nonprofit that studies transportation issues, calls for transportation improvements that enable older Americans to maintain their mobility. With around 46 million people aged 65 and over, estimated to more than double to over 98 million by 2060, road safety improvements are increasingly important as 90% of demographic travel takes place in a private vehicle. Almost 80 percent live in auto-independent suburbs and rural areas. Public transportation accounts for only two percent of travel for older Americans. Ridesharing services can help seniors maintain their mobility, although they often require the use of smartphones, which are owned by less than a third of older Americans. Self-driving and connected vehicles are very promising for the mobility of older Americans.

Licensing Requirements and Restrictions

Many states routinely seek to identify, assess, and regulate older drivers with disabilities who are unable or unwilling to voluntarily change their driving. habits. According to the Insurance Institute for Highway Safety 18 states require older drivers to renew their driver's licenses more often than the rest of the state's residents. In addition, 18 states more often require vision tests for older drivers. Sixteen states and the District of Columbia prohibit older drivers from renewing licenses by mail or online. One state, Illinois, requires older drivers who are 75 years and older to take a road test upon renewal, and the District of Columbia requires a medical certificate for drivers over the age of 70 to renew their driver's licenses.

Some states restrict driving activities for people with certain medical conditions or following a serious accident or traffic violation. Depending on their ability, older drivers may be limited to driving in daylight or on road types without a motorway. In most states, restrictions like these can be placed on someone's driver's license, regardless of age, if his or her medical condition justifies it.

A 2014 study published in the journal Injury Epidemiology found that no policy in state driver driving laws examined had a significant impact on fatal crash involvement of drivers under 85 years of age. However, two provisions had some effect on older drivers' involvement in fatal accidents. Mandatory personal renewal was associated with a 31 percent reduction in the number of fatal accidents for drivers aged 85 and over. In states where personal renewal was not required, it was necessary for drivers who passed a vision test to be associated with a similar reduction for drivers aged 85 and over. But in states where personal renewal was necessary, a certain test with no further reduction was required, along with a knowledge test or a driving test on the way. The results were also not statistically significant for laws that require more frequent renewal or that require caregivers to report cases concerning their patients' ability to drive.

Insurance rebates

According to the National Association of Insurance Commissioners, as of January 2015, 34 states and the District of Columbia prescribed premium rebates for older adults. (These state laws have not been changed since February 2013.) Everyone except Massachusetts requires older drivers (typically 55 and older) to complete an approved accident prevention course. In addition, 12 states have mandate discounts for all drivers (including older drivers) who attend defensive driving or other driver training. In general, the state mandate discounts apply to liability protection because they are most relevant. The regulations may vary depending on the state. In Massachusetts, for example, the discount for older adults applies to all insurance for drivers over the age of 65.

In addition, some insurance companies offer discounts in the states where they do business for drivers who complete defensive driving or other approved courses, including discounts for seniors who take AARP courses.


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