Are seniors required to have automobile insurance even if they do not drive, don't own a car and their license is still a driver's license instead of an ID.
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Mar 15, 2018
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Longmont, CO
Asked on 03/15/2018
Are seniors required to have automobile insurance even if they do not drive, don't own a car and their license is still a driver's license instead of an ID. A senior who no longer drives, was told by her insurance agent she had to continue to have automobile insurance even though she does not drive, does not own a vehicle. He is telling her it is because she has a driver's license and that is the law in Colorado. Mind you, the senior could have the details a little off, which is why they don't drive any longer.
Answer given on March 17, 2018
To the best of my knowledge, no one is required to have automobile insurance if they don’t have a car and don’t drive. Usually they can continue their driver’s license as long as they pass all tests at the renewal of their license. If they have a driving record issue, it is possible they are required to provide proof of insurance to the DMV. If so they would need a non-owned insurance policy. In that case, they may want to turn in their license and get an ID card instead.
You may want to talk to the senior’s insurance agent to see if there is something that you are not aware of regarding the senior. The agent may not know the person does not drive someone else’s car and thinks they should have insurance. If the agent insists, contact the Dept of Insurance in Colorado and have them confirm whether insurance is needed or not.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.