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I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
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VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Normally the owner's insurance does cover other drivers. I would check with the insurance.
You as POA are able to CHANGE the insurance, as I am certain you know. You would then pay the added amount to insure other drivers. And you would pay the premium as you pay all your father's bills.
My insurance company charges a fee for an additional driver. However that other drivers insurance can cover him driving other vehicles. Must check with the insurance provider to find out particulars.
What we did for my BIL he didn't have a license anymore because of health reasons we just added a driver onto his policy so in case of an accident whoever drives the car is covered. Yes it cost more but its worth it.
You need to contact your State Department of Motor Vehicle admin as each State law is different. And in theory, you can add you as a driver to his policy as others have noted.
Yes, anyone with a driver's license can drive the car and be insured. Please call the insurance agent to confirm, but that is how it works with my Mother's policy.
By chance, I just had a conversation with my parents' insurance agent on this topic. Both have valid driving licenses, but neither one is able to drive at this point. They are named on the insurance policy, but my brother is listed as the primary driver. They actually save money this way because car insurance premiums are significantly higher for senior drivers. Our agent calls it the reverse teenage driver effect, and says the increases start to happen at about age 75.
Talk with their insurance agent to see what is required for a person to drive their car, also the person who is driving their car may have a clause that they can drive anyone car. Sometimes it the person that is insured and not the vehicle or the other way around.
The main issue is that the Dad who owns the car does NOT have a driver's license and therefore may not be able to get insurance on his own car anymore. The OP (the PoA) needs to find out if their own car insurance would cover him/herself -- assuming s/he has a car and insurance. I'm wondering what this scenario would do to the OP's insurance rate if they need more specific/broad coverage.
Hoping the OP will update this post to let us know what they find out.
Judy1157: Auto insurance follows the vehicle first., i.e. Bob and Mary both have auto insurance. If Bob borrows Mary's car over the weekend and gets into an accident, the claim would be filed under Mary’s auto policy, not Bob’s.
However, this is not so 'cut and dry' in your case since your father with dementia may not have possessed auto insurance in a while especially since he did not possess a DL.
Our insurance did not go down until my wife surrendered her license for a non driver identification card. Looks like a driver license and had same legal identity characteristics.
Depends on the state!! And if the accident is your fault or not. Call THEIR insurance company. In California I was told to be added to their insurance! $$$. Even if I don’t live with them but visit a lot and drive their cars.
I would get insurance and have the ownership changed if necessary. If the car is in his name and it probably is you should call his insurance company and find out what you need to do. They'll need to see the POA document. Read over the POA and see what you are authorized to do.
My parents wanted to keep their "sweet ride" so I could use it to take them to appointments and such. So off I went and they sold me the car for the lowest BB value there was for it. No problems at all and we just added it to our insurance. And I still have it, and drive it, and it is now "my sweet ride" LOL
If I remember correctly, I put mom's car on my policy and whichever car that was on the road was covered. Never both at once. So,I'd drive to her house and we would take her car places. Talk to your insurance agent. The only other way is to have the title transferred to you. Parent can call it a gift and they'll put a minimum purchase price on it.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
I would check with the insurance.
You as POA are able to CHANGE the insurance, as I am certain you know. You would then pay the added amount to insure other drivers. And you would pay the premium as you pay all your father's bills.
"Getting car insurance without a license can be tricky. Prepare to do some digging around and pay higher rates."
https://www.nerdwallet.com/article/insurance/how-to-get-car-insurance-without-a-license
Prayers
Hoping the OP will update this post to let us know what they find out.
However, this is not so 'cut and dry' in your case since your father with dementia may not have possessed auto insurance in a while especially since he did not possess a DL.