Wisconsin Snowmobile & ATV Rentals

Many elderly folk find it beneficial to hold on to and maintain their vehicles even when they are no longer able to drive themselves. Whether it’s grocery shopping, doctor’s visits, prescription drug refills, or social excursions, many elder residents would see their quality of living and health suffer without dependable transportation. At the same time, dismissing prospectivecaregivers because they do not own their own vehicles may seriously hamper one’s ability to maintain a sufficient and affordable caregiving staff. While many caregivers without vehicles are able to make it to and from work via public transportation, running errands during their shift is another matter. On this note, it’s important for elderly residents and/or their families to know the details of their car insurance coverage to ensure that accidents do not create undue financial calamity.

Car insurance for elder residents and their caregivers

Car insurance follows the car. As such, it’s the elder resident’s responsibility to make sure there is adequate insurance coverage. This includes making sure that the policy includes coverage when other drivers are at the wheel, maintaining adequate personal injury protection for drivers and passengers alike, and rental car coverage that will ensure elder residents have a serviceable vehicle during car repairs or during a search for a replacement vehicle.

In certain situations, it may be necessary or preferable to use a caregiver’s vehicle for errands and elder transportation. To do this, however, elder residents must know that their caregivers have a valid driver’s license and their own car insurance with adequate coverage levels. This is typically done at the beginning of a caregiver’s employment but should be reviewed every 6 or 12 months. In rare cases, a caregiver’s car insurance policy may exclude coverage for driving done in an employment setting and alternate insurance coverage arrangements will need to be made.

Affordable car insurance for elder residents

Needless to say, many elder residents are on a strict home health and caregiving budget. Even relatively wealthy residents must protect their ability to live at home safely and securely for many years. Many car insurance companies have designed specific policies and cater to elder residents who use caregivers for their primary transportation needs. With a low annual mileage, many elder residents will find they can save money on their car insurance by taking the time to do some comparison shopping and seeking out car insurers with these custom car insurance policies.

Pennsylvania car insurance quotes

In Pennsylvania, minimum coverage car insurance may not be enough to protect elder residents financially. With a $15,000 per person and $30,000 total limit on bodily injury liability, not to mention a paltry $5,000 for property damage, elder residents would do well to consider for higher coverage limits for their car insurance policies. To find and compare local Pennsylvania car insurance quotes, simply follow this link.