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Mom has friends/helpers drive her to appointments. She is planning on letting her driver's license expire and not get it renewed as she does not want to drive anymore, which I think is a very wise decision. However, she feels safe in her car and does not want her helpers to use their cars to get her places. She complains that they are not well kept and she just feels safer in her own car. How can she keep her insurance but not her license?

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My mom and dad both kept their cars when they gave up driving. They added my husband and I as drivers along with our sons and their housekeeper. We all gave photocopies of our drivers Licenses to their agent. It was Nationwide insurance. Cars were titled and registered in their names. Premiums remained about the same. Easy process. We all had insurance in our own names for our own vehicles.
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Before going to DMV to change over from a Drivers license to an Real ID, call and see what you need to bring. I know in my state they are now requiring a marriage license for a woman. If Mom has an up to date passport she will not need Real ID.
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A difficult issue with this situation is that should there be an accident,your mother could be potentially sued for damages and possible injuries. I know all about this from first hand experience.

My husband was hit as a pedestrian by a motorcycle driver with very little insurance. He had to sue his own insurance for loss.

My daughter's car was hit in a parking lot when she was working. The driver fled but a witness left a note. The driver was a 15 year old without a license. The owner of the car was the girl's mothers boyfriend. We went after his insurance for damages to the car which were substantial.

We are not ambulance chasers. We just have hit the lottery with lawsuits. I could go on but I am sure you get my point.

Hopefully your mother trusts those driving her. There just can be scenarios unforseen until they happen. I will hope they never do for your family.
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You can put a "personal driver" clause on the policy, it is common for elderly and person's with disabilities.
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AlvaDeer Jan 5, 2021
Stacy would that cover several drivers? Any driver from an agency? Or only one driver?
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She must check with her own insurance; also the agency must know if the persons have a valid license to drive; in the case of the agency that briefly helped my brother, for an extra fee they would drive the elders; their licenses were checked to be certain up to date by the agencies involved. Given the cost of upkeeping her car insurance she could afford quite a few Uber rides with her AND her accompanying caregiver were she to let the car go, as well as the profit she would make from selling it; just a thought.
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KathyMc Jan 5, 2021
My mom doesn’t have a smart phone and I think the only way you can call/arrange an Uber or a Lyft is via their apps on a smart phone. She has already thought of those services...she doesn’t trust them. Otherwise, I’m with you; Uber or Lyft would be the way to go.
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She needs to ask this of her insurance company. There is misinformation already posted on this thread. Insurance companies DO ask about drivers license status. If you don’t have a drivers license, there are insurance companies that will NOT insure your vehicle.
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Make sure she goes to DMV one more time to get a state ID. Preferably one with the stars. You never know if she will need to travel by air
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KathyMc Jan 5, 2021
This is a very good thought. Thank you!
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As long as there is insurance on the vehicle and it is registered and has a valid State license plate there would not be a problem
You might want to check with the insurance company and let them know that
1. The car will only be driven a few miles. Might even get one of the plans that insurance is based on miles driven.
2. Let them know that others will be driving NOT mom. Most insurance covers authorized drivers and most people that have insurance are also covered when they drive someone else's vehicle.
Insurance companies do not ask if you have a license. But the DMV does ask you if you have insurance.
(A family friend was blind and owned a car, he had a driver. The car was registered and insurance was paid by the blind owner)
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She really needs to ask that of her insurance company.
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