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So, you've got a person who no longer owns a car, doesn't drive, has been medically rejected from driving, and you want to get car insurance for her, WHY?
I have a diagnosis of dementia. So much wrong info here. (Old thread, but others may be interested.)
There are degrees of dementia; some are mild. (The specific deciding factor is the Diagnostic and Statistical Manual of Mental Disorders, not internet forums.)
In my state, the doctor is required to notify the DMV. The DMV will bring you in for a written test, harder than the new-driver test. If you pass that, there will be a road test.
The DMVs own web site says they are concerned about loss of consciousness, focus, memory, and other factors that could affect safe driving.
If your doctor is okay with it, and you pass the DMVs dementia tests, then whats the problem?
Last edited by JohnSmith408; 03-21-2024 at 10:46 PM..
I have a diagnosis of dementia. So much wrong info here. (Old thread, but others may be interested.)
There are degrees of dementia; some are mild. (The specific deciding factor is the Diagnostic and Statistical Manual of Mental Disorders, not internet forums.)
In my state, the doctor is required to notify the DMV. The DMV will bring you in for a written test, harder than the new-driver test. If you pass that, there will be a road test.
The DMVs own web site says they are concerned about loss of consciousness, focus, memory, and other factors that could affect safe driving.
If your doctor is okay with it, and you pass the DMVs dementia tests, then whats the problem?
If you go back and read the original question, it was about finding insurance for someone with dementia. Only later on in the thread did the DMV come into it. The problem? The problem should be fairly obvious. It will be up to the insurance company to decide whether or not they'll insure the person as a driver. Many insurance companies won't. They'll even cancel existing coverage if the policy holder is diagnosed with dementia or other cognitive disorders. If the state won't issue a license to someone with dementia chances are no insurance company would agree to cover them anyway.
Illegal pretty much everywhere to drive a car without insurance coverage. Even if a car the diagnosed person wants to drive belongs to someone else and the owner has insurance, the person with dementia could be excluded from the coverage. If they drive it anyway and they end up being pulled over for some infraction or are involved in a crash, their uninsurable situation will eventually come to light. The car's owner could be held liable/responsible for allowing them to drive. Not a position I'd want to find myself in.
Last edited by Parnassia; 03-25-2024 at 02:45 PM..
She does drive very well for someone with Dementia. But it only takes one mistake for bad accident. Doctor found she has Dementia about three months ago.
She could forget where she is going & get lost. Stop her from driving.
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