2/7/2012 9:43 AM ET|
Beware 'tsunami' of senior drivers
By the next decade, a quarter of drivers will be 65 or older, increasing road risks for everyone. Here's how to prepare yourself and the senior in your life.
Brace yourself for the "silver tsunami" that's expected to wash over our highways in coming years.
The Automobile Association of America is warning that, as baby boomers grow older, a wave of drivers with diminishing skills likely will create road dangers across the country. Quoting figures from the U.S. Census Bureau, the AAA says this silver tsunami of motorists age 65 or older will increase by 75% over the next two decades.
On average, people live seven to 10 years beyond their safe driving ability, according to Jake Nelson, the director of AAA Traffic Safety Advocacy and Research. The AAA points out that these senior drivers often continue to get behind the wheel despite the risks.
"In less than 10 years, one in four licensed drivers will be age 65 and older, which means that millions of American families will be working through this challenge," Nelson says.
AAA and the American Occupational Therapy Association offer these suggestions to anyone who knows an older driver:
- Conduct regular driving assessments. Every six months or so, ask the senior to take you for a drive so you can see his or her driving firsthand and note any changes.
- Schedule regular medical check-ups and eye exams. A complete exam can reveal physical conditions that affect driving. Qualified medical personnel can check an older driver's decision-making skills, reaction time, muscle strength and joint flexibility.
- Encourage regular exercise. A doctor can suggest a tailored workout routine to maintain overall health and well-being.
- Think about and discuss the gradual adjustments. Sometimes a few simple steps -- limiting driving to certain times of day, avoiding night driving or adding an extra-wide rearview mirror -- can help prolong a senior's time behind the wheel.
- Identify alternative modes of transportation. This should occur well before a senior's driving skills diminish.
For more advice, visit AAA's Senior Driving website.
Preparing for the possibility of more dangerous roads
With the predicted increase in less-skilled senior drivers over the next two decades, it may be prudent for motorists to evaluate their car insurance coverage, says Tully Lehman, a spokesman for the Insurance Information Network of California.
The IINC and the Insurance Information Institute recommend adequate liability coverage -- including bodily injury and property damage -- that will protect the driver and his or her assets if there's an accident. As a starting point, the III suggests at least $100,000 of bodily injury coverage per person and $300,000 per accident. Adding $50,000 in property damage coverage is also a smart move.
In addition, motorists should have adequate protection if they're hit by an uninsured or underinsured driver, says Jeanne M. Salvatore, the senior vice president and a consumer spokeswoman for the III.
Some states already require drivers to carry underinsured motorist coverage, but Salvatore advises discussing your policy with an agent just to make sure you have the coverage you need.
"Most people don't think about the uninsured motorist or underinsured motorist coverage portion of their policy until they're the victim of a hit-and-run accident, or are involved in a crash with a driver who either doesn't have auto insurance or has very minimal insurance," Salvatore says.
She explains that UM coverage will reimburse you, a member of your family or a designated driver for bodily injuries caused by an uninsured motorist or a hit-and-run driver. UIM comes into play when an at-fault driver has insufficient insurance coverage to pay for your loss. UIM also provides coverage if you're hit by a car as a pedestrian.
Another good idea is to become a better defensive driver through more road awareness and classes designed to improve skills. As a bonus, many insurers offer rate discounts for passing such courses. Geico, for example, will trim as much as 10% from a premium, according to the company's website.
More from Insurance.com:
VIDEO ON MSN MONEY
Nothing above seems to have addressed the best way to overcome too many poor drivers on the roads, which is to greatly increase the accessibility of public transportation for everyone - especially more small vans that can penetrate the suburban areas not served by larger metro routes. And we need to start concentrating populations in urban villages and not suburban sprawl generally. No surprise - they are having a hard time selling our overstock of MacMansions, because people WANT to downsize, walk and know their neighbors. We need sustainability on all levels.
AAA implies that senior drivers are a dangerous threat to highway safety, but yet they haven't touched the subject of younger drivers under 40 texting and other distracted driving. NHTSA is more concerned about distracted driving than seniors on the road. It's true that most drivers over 80 pose a greater risk, but not any more than youngsters texting or chatting while doing 80 MPH. Especially in California where a young college student (21) is facing felony manslaughter for slamming into the rear of a car stopped in traffic. She was doing 80 MPH while on her cell phone according to Orange County authorities. I haven't seen any seniors texting yet and the worse problem I see out there is a senior doing 60 MPH in the fast lane while traffic is moving at 70+.
AAA should be careful about pointing a finger at seniors over 65, especially baby boomers who generate 50% of there revenues.
AAA also forgets that seniors over 65 still drive busses, trains, ships and even planes. There is no hard evidence they pose a greater danger to safety. In fact, many of those seniors can pass a medical and a drug test much faster than a lot of youngsters out there, especially those who are so obese and can't even bend over to retrieve their seat belt. AAA hasn't done their homework.
The biggest problem will be that so many adult children live in another state, no one can follow your recommendations.
Copyright © 2013 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.