Over 65? These 8 DMV Rules Could Cost You Your License

As you age, retaining your independence is one of the most important things you can do for your mental and physical well-being. Driving is a significant source of freedom, and this is especially true as we get older.

However, you must drive safely and adhere to your state's Department of Motor Vehicles (DMV) regulations. If you don't, your license can be taken away. The good news? Staying sharp behind the wheel can also help you save money on car insurance, with many providers offering discounts to safe senior drivers.

If you or a loved one is over 65, here are eight rules that might impact your driving privileges.

Failing a required vision test

Many states require drivers over a certain age (usually between 65 and 70) to pass a vision test when renewing their license. If you fail for any reason, whether this be cataracts, glaucoma, or any other age-related vision changes, you might have restrictions put in place, such as daytime-only driving, or you might be suspended altogether.

There are only a handful of states that don't require a vision test for older drivers. These states include:

• Alabama
• Connecticut
• Mississippi
• New Jersey
• Oklahoma
• Pennsylvania
• Tennessee
• Vermont

Ignoring mandatory medical reporting

If you have an age-related condition like dementia or Parkinson's, some states require doctors to report it to the DMV. This can trigger a license review and possible revocation. The states that require doctors to report certain medical conditions to the DMV include California, Delaware, Oregon, Pennsylvania, New Jersey, and Nevada.

There are also 14 states that require self-reporting from individuals diagnosed with dementia. More specifically, these states include:

• Alabama
• Hawaii
• Indiana
• Missouri
• Montana
• Nebraska
• New Mexico
• New York
• North Dakota
• Ohio
• South Carolina
• Utah
• Virginia
• Washington

Refusing a required road test

Most drivers haven't taken a road test since they were teenagers. Some states have taken action to ensure their elderly drivers are still safe behind the wheel. Both Illinois and New Hampshire require drivers to take a road test at renewal once they turn 75.

In Maryland, the DMV can require a road test if there are concerns about an individual's driving ability.

Not renewing your license on time

In most states, you are required to renew your driver's license every few years. However, when you reach a certain age (which varies by state), the renewal period becomes significantly shorter. In Arizona, drivers 65 or older are required to renew their licenses every five years.

It's essential to review your state's specific rules and plan accordingly.

A loved one or doctor reports unsafe driving concerns

Some states also allow relatives or doctors to report concerns about a person's health and driving ability to the DMV. Take California's 'Request for Driver Reexamination' for example. This process allows anyone to submit a form to the DMV expressing their concerns, and the person reporting can choose to remain anonymous.

Driving on certain medications

As you get older, chances are you may take prescription drugs for certain ailments. Some of these medications specifically state not to operate heavy machinery while taking them, like driving a motor vehicle.

It's recommended to verify your prescription or consult with your doctor if you have any questions before driving.

Ignoring the rules of a restricted license

Depending on certain health checks or reports, you might receive a limited license instead of suspension. This license allows you to drive with restrictions, such as no night driving, limited highway use, or traveling only within a certain distance.

Ensure you adhere to these rules, as violations can result in the revocation of your license, even if the violation is accidental.

Getting into a bad accident

No one is immune to accidents behind the wheel, but the severity can impact whether or not you can continue to drive, especially if you're found at fault. If there are serious injuries, property damage, or even death, your license can be suspended or revoked. The same is true if the accident finds you violating other laws, like driving under the influence.

Bottom line

Getting older doesn't mean you have to surrender your keys. From mandatory vision tests to medical reporting laws, DMVs across the country simply ask they you take a few more steps to ensure all drivers stay safe behind the wheel.

Maintaining your independence is important, but you must ensure it's safe to do so. And with safety on your mind, it's also a smart time to compare auto insurance rates. Many companies offer discounts for safe senior drivers.