If you’re 65 or older, consider regular driving check-ups around the time of your annual physical. After all, health can affect your driving and vice versa.
1. Collect information.
Watch drivers on different roads, at different times, in different weather. Notice whether they play by the rules, handle lanes safely, yield and turn correctly, drive at the proper speed and don’t get lost on familiar roads.
Non-driving behaviors such as frequent forgetfulness, confusion and disorientation, loss of coordination, stiffness, trouble hearing, dizziness and difficulty following verbal instructions can also signal trouble behind the wheel.
2. Develop a plan.
Once driving is assessed, it’s time for “the talk.” Approach this with respect and sensitivity. Discuss whether drivers seem to be performing safely within their limits, and whether problems can be corrected. Can they adjust their driving habits? Can they find other ways to get around?
Drivers can also evaluate their own driving skill, perhaps using prepared self-assessment guides. Often they decide on their own to hang up their car keys for good. “It’s often triggered by a small accident. They realize their reflexes aren't what they used to be and they don’t want to hurt anyone,” says ERIE Agent Charlie Peterson of Peterson Insurance Services. “Even the best of drivers has to change.”
The NHTSA says to write a plan to enhance independence and control while maximizing community safety. You may need to research other options, consult a driver rehabilitation specialist, consult the Department of Motor Vehicles, and sign up for a driver safety/accident prevention program – which can offer information while helping drivers to reduce their insurance premiums.
3. Follow through.
Because needs and abilities change over time, it’s important to “pull over” periodically and re-evaluate. Some states, such as Pennsylvania, require doctors to report medical conditions that could affect driving. Insurance agents sometimes are approached by a driver’s adult children, but agents are duty-bound to respect the privacy of policyholders.
Over the age of 55, good drivers can enjoy discounts on their insurance, varying by state, especially if they take safe driving courses. Training on checking blind spots and other age-related skill declines may help. ERIE is also studying the potential for usage-based insurance, which uses technology to track a car’s actual mileage and reduces premiums for safe, low-mileage drivers – which older people tend to be.
Improved vehicle and road safety (such as better signs) could also “help the elderly as well as everyone else,” says Dr. Li. His advice: “Stay active, stay healthy and stay safe. When you’re behind the steering wheel, concentrate on driving.”
In summary, DWO (driving while older) can be a safe way to get around – as long as older drivers take into account their changing abilities, tune up their skills and heed the “yield” sign when it’s time to slide over to the passenger seat.
Age and save
ERIE offers discounts for drivers age 55 and over:
Age 55 and Over Discount – Available if the insured is the principal driver of the car.
Accident Prevention Course Discount – Claims-free drivers (no age restriction in N.Y.) who have successfully completed an approved driver improvement course within the last three years may be eligible for this discount (Ill., N.Y., Ohio, Pa. Tenn. and Va.).
If you’re concerned about older drivers in your life, the NHTSA suggests a 3-step approach: Collect information, develop a plan of action and follow through on the plan.