Nevada Has Special Rules for Older Drivers

As is the case in most states, Nevada has a set of rules for older drivers to ensure their safety and the safety of everyone they share the road with. Age-related factors such as decreased hearing and vision, cognitive decline, slower reaction times, increasingly limited motor skills and certain medications can take a toll on how safe an individual is when they’re operating a vehicle. Studies have shown that advancing age is associated with higher fatal crash rates.

To help minimize the risk, Nevada enforces laws to help seniors limit how long they spend driving a vehicle.

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Renewing a Drivers License

Once a Nevada resident turns 65 years old, the state requires them to renew their license every four years rather than every eight years. Some drivers may receive a full-page application with their renewal notice. If that is the case, they may renew their license by fax or mail. If they receive a renewal notice without an application, they must visit their local DMV in person.

When an older adult renews their license, they are required to complete a vision test. The DMV conducts the test for free, but individuals may opt to complete the test with their physician or optometrist within 90 days of the renewal notice. They may be required to complete vision tests more frequently at the discretion of their doctor or the DMV.

Depending on their medical and driving history, older drivers may also have to complete a written and/or road test to demonstrate driving proficiency.

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License Restrictions for Older Drivers

In some cases, seniors may be allowed to renew their licenses, but they may have certain restrictions. For example, they may be required to have modifications made to their vehicle, including a left-foot accelerator or an additional right-side mirror. Some drivers are limited to driving only in daylight, while others may not be permitted to drive on the freeway or roads with speed limits over 45 miles per hour. Depending on their health needs, some drivers may be required to wear telescopic lenses to compensate for longer response times.

 

Requesting an Unsafe Driver Investigation

Oftentimes, observant friends and family members, law enforcement officers and local and state organizations may notice that an older adult is no longer able to safely operate a vehicle. In this case, they can alert the DMV that further investigation into the individual’s driving ability may be necessary. Law enforcement officers or those working for local agencies can submit a Request for Re-Examination, and friends and family can submit a Request for Re-Evaluation, along with an affidavit from a doctor confirming the need for re-evaluation.

 

Finding Auto Insurance for Seniors with Nevada Insurance Enrollment

Because seniors typically have different driving habits than younger drivers, their auto insurance needs differ. At Nevada Insurance Enrollment, our licensed auto insurance agents work with older drivers to help them find the right policy for their needs and budgets.

Windshield / Glass Coverage

Windshield / Glass Coverage

Windshield / glass coverage pays the amount of a covered glass loss, and as an added perk, it has a low deductible. Your insurer will cover the full costs of the repairs up to your policy limit, and as long as the costs of the damages don’t exceed your coverage limit, you’ll pay only your small deductible.

Windshield / Glass Coverage

Term Life Insurance vs. Whole Life Insurance

Term life insurance policies will often have terms of one year to 30 years. Typically, the monthly premium (monthly payment) stays the same throughout the term of the policy. Whole life insurance provides coverage your whole life and it includes something called “cash value”. Think of it like a mini savings account attached to the policy.

Windshield / Glass Coverage

Rental Reimbursement vs. K4 or K5 Coverage

Rental reimbursement would reimburse you for either your daily rental charges or your policy limit, whichever is less. It can be used after any covered collision or comprehensive loss (assuming you carry collision and comprehensive coverage). K4 and K5 coverage can also help with post-accident “loss-of-use” costs.