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.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 15, 2018

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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.


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