Driving Ms. Daisy

7 Signs That Your Parents Shouldn’t Be Driving

After experiencing the freedom of driving, few like the idea of depending on others or public transportation to transport themselves.  However there comes a time when it is much more safe for the parent and others on the road to look at alternative means of transportation.  Here are some warning signs to look out for.

1.TOO MANY NEAR MISSES – We all experience close calls while driving, but these should be rare occurrences. If you are afraid your parents can’t keep their mind on the traffic, it’s a strong indication that the driving should stop.

2.  DIFFICULTY TURNING TO CHECK TRAFFIC – Defensive drivers need to be aware of surrounding traffic, especially when parking a vehicle, making lane changes or looking out for bike riders.

3. LOSING THEIR  WAY – Anyone can get lost, but if this becomes a pattern, it may signal memory loss

4. SLOW RESPONSES – Drivers must be able to quickly respond to sudden changes, in traffic, pedestrians, bike riders and react to emergency situations.

5.  HAVING A BADLY BATTERED CAR – Noticed a growing number of dings and dents on your parents car?

6.  DRIVING ANGRY – An inability to cope with the normal frustrations of driving without a loss of temper could indicate that your parent is no longer mentally fit to drive.

7.  TOO MANY TICKETS – If your parents are cited frequently, you need to find out why.

QUESTIONING YOUR PARENTS ABILITY TO DRIVE CAN BE A CHALLENGING CONVERSATION TO HAVE.  THESE ARE THE THREE THINGS THAT AARP RECOMMENDS:

**  Get the facts and learn the warning signs
** Educate yourself so that you are prepared
** Prepare for and initiate a thoughtful  conversation

If you see the warning signs, it may be time to involve your parents’ doctor.  Sometimes problems can be corrected.  If poor vision is a hindrance, perhaps your parents can limit driving to daylight hours.  If poor health has diminished their abilities, they may be able to get back behind the wheel after treatment.  At times, a doctor will recommend that driving should be stopped altogether.

A refresher course in driver safety can reinforce good driving skills, teach new ones, and help change driving habits.  These classes may offer tips on how to improve awareness and avoid collisions.

As always, please feel free to call my office and discuss any concerns that you have.   We are happy to help you determine the course of action to take, alternatives that seem reasonable and compassionate and look for overall solutions of protecting the safety of the senior driver as well as others on the road.

Any questions? Please let us know at Magnolia Insurance Agency.

Sincerely,

Magnolia Insurance

3424 W McGraw St
Seattle, WA 98199

(206) 284-4886

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Young Driver Insurance: Suggestions and Advice

When teens just graduate high school, they are looking for a sense of independence. Whether this means living away from home, going to college out-of-town, working a new job, or driving a car, it is important to stay connected with your family!

According to “Insurance Journal”, it is important to remain under your parent’s insurance policies (for most states in America) until you consider living away from homeFor financial stability and long-term insurance coverage, consistent communication with family, friends, and co-workers is everything. for at least a year. Auto insurance in particular saves much more money when insured under your parents.

On average, 18-yr olds pay 18% more for car insurance if they sign up for an individual policy as opposed to remaining under their parent’s policies. This number varies by states, so the percent change could potentially be worse. Only in Arizona, Hawaii, and Illinois it is cheaper to establish insurance policies independent from your parents after age 19.

Since teen drivers are known to be higher risk on the road (especially those just getting their licenses and learning to drive), getting individual auto policies already add to the high cost of insurance a teen driver. Insurance journal states that parents with an 18-yr old on their policy pay an average of 77% more than they would without the teen. This number is certainly high, but would be much higher if the teen was independently insured.

The bottom line for investing in insurance comes with experience. Young drivers have a very limited track record, not much credit history and therefore it is harder for the insuring auto company to establish a foundation of trust and credibleness for the driver. As a teen driver ages and develops his driving ability, his premium lowers (assuming one keeps a clean driving record), and bottoms out after age 24.

So our advice from Magnolia Insurance is to stay connected with your family! For financial stability and long-term insurance coverage, consistent communication with family, friends, and co-workers is everything. Besides, there is nothing like a weekend family getaway or game night. If you go to college out-of-state, it only takes ~5-10 minutes to call or text home.

When you are ready to move out from home, graduate from college, and/or live independently on your own finances, then it is important to look at independent insurance. We will discuss this more in the next couple blog posts!

Source: http://www.insurancejournal.com/news/national/2015/08/10/378000.htm

How do you think we are doing? Please let us know by contacting us at Magnolia Insurance Agency.

Sincerely,

Magnolia Insurance

magnoliainsurance@comcast.net | (206) 284-4886

3424 W. McGraw St.

Seattle, WA 98199