Did I break a law when I did not tell my insurance agent that I was no longer

driving any car? I stopped driving during the summer of 2008 when I realized I was no longer capable of handling a car at my age - 85 then. I just let my license expire on my birthday in 2009 and figured no one would really care.

Apparently, it made quite a difference when I was applying for car insurance on my car and had a 100% safe driving record. Those driving my car do not have a very good driving record.

They both have lousy driving records. Oh boy - think I am in deep shit!

car and insurance if you were not going to be driving it.

car payments and have someone drive me to the doctors. I suppose I can have it repossessed and lose any credit i have built up.

If so, you should just sell it, and call Dial-a-Ride for trips to the doctor.

Your senior center or maybe even your doctor's office person could help you with the arrangements.

Providing a car to irresponsible people is not a good idea.

If they want the car, they should buy it, and if they are decent people they will offer you rides anywhere..anytime


The savings on the payments & insurance could buy a lot of cab rides, if they flake out on you :)

ok, i say sell the car, even at a loss, and take cabs from now on

having someone drive you around in your own car, on yr insurance, will, when THEY fuck up, cost you your entire life savings PLUS yr insurance...car insurance is only for a few hundred thousand it doesn't TOUCH the costs of someone who claims his back or neck was hurt...that's millions now

take the $7K loss on the car and take a cab, that's way less than millions

math, it's just not that hard, trust me

if it's your son driving you to the doctor and he's a bad driver that's not a good idea either.

Then, once you pay off your car in full, you can sell it. At least, you'll have some money and your credit won't suffer.

was there an accident

somehow my safe driving record has allowed the premiums. As of now, because of this my car insurance has been raised @200 for the six month period and I don't know what the new premium will be for my son's truck.
I am not a well person anymore and have not been for several years - and someone saw me coming in reference to the car in the first place. I hate the GD thing!!!!

The cars insurance rate is based on your being the driver, if you are a passenger in the car and a small fender bender happens, no one will even ask why you were not driving.
if you are 85 that means your son must be of an age when he should be capable of helping you, not the other way around.
you have decided not to drive any more so ...
do you need a car ?
do you have a social network that can provide transport to church, doctor, cards, shopping etc?
do you live in a part of yuma that you could drive a gulf cart or a senior scooter instead ?
if the car is gone then generously compensating, others who provide transport will usually make you a welcome guest or shopping companion.

These are tough life changes, but in general the car should go. You must keep insurance (liability) to have the car on the road. Do not loan the car out. In other words if your not riding, then the car should be in your driveway. How about a 6 month trial period where the car stays in the driveway. then make a decision.

I hope this helps and best wishes to you.
Reverend Tim

You need to take away the car or give them the car. You are putting yourself in alot of jeopardy by doing this.

If any one should give you any grief while you are in a "Driving Miss Bobbie" situation, just summon you best Katharine Hepburn and in a haughty voice say "These are the best drivers Miss Bobbieo can afford"

:shrug:

driving. She knows my age which is 87. I thought I was doing the town a favor by getting off the roads.

while knowing they won't ever have to pay out on a policy.

you just didn't look at from the perspective of the insurance company. Lots of people don't when making a purchase of anything, and they really should.

anyone that drives my cars and their passengers while driving, are covered under my insurance policy (without adding them). In fact, when I spoke to my agent a couple of years ago about my son getting his license, she told not to tell her when he did get it.

Just because these kids drive you to the Dr., it does not entitle them to drive your car all around town gallivanting and doing who knows what while they are driving it. Ask for your keys back if you don't want them driving your car. You could also sell the car and call a senior ride service to take you to your appts. It might be cheaper than making a car payment and paying insurance?

we told our insurance agent about the added driver. At least she was 19 by that time.

He told us not to tell him when the younger girls began driving. As long as they didn't get any tickets or in any accidents, we were good. Apparently that's the way some people do this. Doesn't seem quite honest to me, but it was what our agent advised.

We had to inform our insurance agent and have our kids added to our policies.

doesn't mean you own the car. It means you drive it.

If you have no license to drive - which this person does not - they cannot have their name on an insurance policy to drive.

Did yours? I think it is a little dishonest if you aren't the one driving.

Let him insure it under his own name. Transfer the ownership and registration to him. I don't think you broke any laws, but you have opened yourself up to liability if your son or his fiance involve your car in an accident.

The lender has a lien on it prohibiting the change unless it is satisfied.

If you're not even licensed anymore, I can't imagine you have much hope of your insurance actually paying out when somebody else wrecks your car. If they're over 16 and living with you or driving your car regularly they either need to be included on your policy or excluded in writing.

Also, if these people are such terrible drivers why are you letting them drive your car?

you are thinking of having non adult children maybe
the owner of a car must provide insurance to have the car on the road.

example: when my elderly parents drive my car i leave in Tucson, they drive on my insurance not theirs.
only if the damages exceed the 300k liability, then their 300k liability will kick in. if that is exceeded then my umbrella liability pays the next 700 thousand if damages exceed one million three hundred thousand then their umbrella liability pays the next 700 thousand.

However I'm sure that leaving a routine driver off of a policy isn't going to fly, otherwise people with bad driving records, young drivers, etc would just insure their cars in the names of more insurable drivers. I know that when an adult in my household was not using my car I had to sign (and have them sign) a named driver exclusion that stated that they were not covered in any way under my auto policy and were not to use my car. Otherwise their driving record would have been factored in, which would have driven my rates up.

in this case Bobbieo is 87 so the son is 45 plus. Most likely pushing 60.
not a problem with allstate or state farm.
as long as the car has not been usurped for someone else's primary car for an extend period of time it's just not an issue.

won't cover damages if the person driving your vehicle was not listed on your insurance as a user. In some states if the person driving any vehicle isn't on some kind of insurance policy they are violating the law.

But I would guess that if you're not driving the car, you'd be much better off if your policy listed the person who was usually driving the vehicle listed on your policy as the principal driver: otherwise, if the driver has an accident and incurs liability, it seems entirely possible to me that the insurance company might not honor the policy and you might find yourself facing a lawsuit and a whopping bill to pay out of pocket

It's the same as a driver's license except you can't drive. It has the no driving restriction. Does AZ have something similar that you can apply for? It kind of absolved my husband of any trouble I might get into driving our mutually owned car. Whoever drives your car may need to take out their own accident insurance and you may only need insurance for damages on the car.

at 85 you can't get a job and replace money that has to be paid out in lawsuits, you have to be conservative

i do not let anyone drive my car who does not have an EXCELLENT driving record plus proof of insurance and i'm way younger than 85, even if say you paid $100 for a cab (and i never have) it's nowhere near the cost & hassle of an insurance claim against you


if a family member is living/frequently stays at your address, you have to put him on your insurance by name or he CANNOT drive yr car w.out voiding yr insurance

if you no longer drive, sell your car, dump yr insurance, and make friends w. a cab driver/limo service -- at the end of the day you'll save money by not driving AND not having a car younger friends/relatives will borrow

Refused to honor the policy because he wasn't driving. He still had to pay the monthly car payments even though it was totalled.

When he told me that story I thought he was kidding me but in retrospect I think it was the truth.

let alone get on the internet. Good for you!

Simplest solution is to call your agent and have the 2 people who drive you around listed on the insurance. If the rates go up some, it'll be worth your peace of mind.

Good luck!

my mom wouldn't go near one even when she was in her 70s. on the other hand her friend bought one and was determined to learn how to use it. then at age 79 she went back to school to get her degree.