Driving with Dementia. (car insurance, vehicle, truck, driver)
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Is their a insurane company that will give you insurance with Dementia? Thanks for the help.
How could anyone answer such a vague question meaningfully? What stage/type of dementia do you mean? If the person has a formal diagnosis but is in the early stages of progressive disease, is being carefully monitored or receiving appropriate treatment to control symptoms, it might be possible some insurance company would cover them if they had a restricted driver's license. Their premiums would probably be extremely high due to the increased risk the company faces. Don't forget, even if a driver is insured, their insurance company could refuse to pay an accident claim if their actions were illegal or egregious. Some states prohibit people with specific types of dementia from holding a DL at all, so trying to get insurance would be meaningless.
OK, this is a dot.com source (I try to avoid citing dotcom articles because they are often so skewed), but it might be worth a read:
How could anyone answer such a vague question meaningfully? What stage/type of dementia do you mean? If the person has a formal diagnosis but is in the early stages of progressive disease, is being carefully monitored or receiving appropriate treatment to control symptoms, it might be possible some insurance company would cover them if they had a restricted driver's license. Their premiums would probably be extremely high due to the increased risk the company faces. Don't forget, even if a driver is insured, their insurance company could refuse to pay an accident claim if their actions were illegal or egregious. Some states prohibit people with specific types of dementia from holding a DL at all, so trying to get insurance would be meaningless.
OK, this is a dot.com source (I try to avoid citing dotcom articles because they are often so skewed), but it might be worth a read:
Her car insurance has been canceled. Been told if she could past a state driving test she could get back.
Again, no details about what her situation actually is, so it's almost impossible to comment. Why was her insurance canceled in the first place? Because she was diagnosed with dementia and was required to disclose that fact to her insurance carrier? Because of at-fault accidents/claims? Too many traffic violations? Or, was it something administrative such as failure to pay her premiums? So, let's say she does pass a driving test. The insurance company might issue her a new policy, but the terms and premiums might be much different than the previous one. Premiums might be higher because she's shown herself to be a less reliable/higher risk client.
Last edited by Parnassia; 07-16-2022 at 01:19 PM..
Don’t allow it, this is my grandfather who had dementia. Had suddenly thought he needed to drive to Winnipeg and ran out of fuel. Take vehicle away from her. Canada you have to keep passing driving tests as you get older, he passed them prior to getting dementia, and he didn’t have dementia long before this accident. I feel terrible for the truck driver.
Again, no details about what her situation actually is, so it's almost impossible to comment. Why was her insurance canceled in the first place? Because she was diagnosed with dementia and was required to disclose that fact to her insurance carrier? Because of at-fault accidents/claims? Too many traffic violations? Or, was it something administrative such as failure to pay her premiums? So, let's say she does pass a driving test. The insurance company might issue her a new policy, but the terms and premiums might be much different than the previous one. Premiums might be higher because she's shown herself to be a less reliable/higher risk client.
Her doctor said she can't drive with Dementia without question. She has Bi-polar type 1 and she went into her insurance company and told them she has Dementia which you know they cancelled her insurance on the spot.
Her doctor said she can't drive with Dementia without question. She has Bi-polar type 1 and she went into her insurance company and told them she has Dementia which you know they cancelled her insurance on the spot.
It's possible her doctor told her this because her state will no longer license someone who has received a dementia diagnosis. If her previous insurance company issues policies in multiple states, it's possible the agent wasn't up to speed about the policy in her state.
It's also possible her doctor told her this because in their professional opinion, she is now too impaired to operate a car safely. The doctor's comment without question sounds pretty ominous! What she wants may no longer be possible. Attempting to make an end run around what's actually safe for her and everyone else on the road is a terrible idea. Dementia is progressive!
No way anyone here would know, so she needs to clarify this with her doctor. She should also confirm her state's dementia policy with the DMV. Whether she can even get insurance coverage from any company may be a moot point. If there's any doubt, she SHOULD NOT BE DRIVING.
Last edited by Parnassia; 07-17-2022 at 03:51 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.
Been told if she could past a state driving test she could get back.
Been told by who?
I find it unlikely that the DMV would let her in the door with that diagnosis.
In fact, if the DMV hasn't been notified of the diagnosis, there's probably a form for notifying the DMV so her license can be revoked.
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