I keep seeing ads for AARP's special insurance program for older drivers. I find myself wondering what special coverage might be necessary for those more experienced drivers who are advanced in years. The ad makes it seem like AARP's pool of mature drivers facilitates lower rates. I'm not an insurance expert though I have had some experience with the structures involved in risk management. I ask is this really a low risk group?
* In November, an 89-year-old man whose car hurtled through a farmers market in California in 2003, killing 10 people and injuring more than 70 others, received five years of probation because a judge deemed him too ill to go to prison.
* Last August, a sport utility vehicle driven by an 89-year-old man plowed into pedestrians and vendors at an open-air public market in Rochester, N.Y., injuring 10 people.
* In October 2005 in North Dakota, an 87-year-old woman on her way to a doctor appointment smashed her car into the hospital’s lobby, injuring five women.
Perhaps AARP offers special 'after forty years of driving I forgot which pedal was the breaks and I plowed through a crowd of school children' forgiveness.
Or maybe I should stop watching television in the middle of the afternoon.