Should Your Aging Parent Still Be Driving?

Can Someone Else Drive My Car? Discover what happens if someone else drives your car and gets into an accident. There are times in life when we need to let someone borrow our car, but we hesitate allowing them to use it because we don't know if we can, or if we should. We wonder:          Can my grandchild use my car to drive to the grocery store?         Can my friend drive my car?         Can my brother-in-law or other family member borrow my car for the weekend?         Can I drive someone else's car?         Will my friend's insurance cover any damages I cause while driving their vehicle?         Do irregular drivers need to be added to my policy?        At the heart of it, we want to know, "If we give them permission and they get into an accident, is it covered by my insurance? Is it legal for someone to drive my car who is not on my insurance policy?" "Generally, it's not a problem if they're driving with your consent," says Jeanne Salvatore, Senior Vice President of Public Affairs and consumer spokesperson for the Insurance Information Institute. "If it's an occasional use, say I borrow your car to go pick up milk, and as long as permission has been verbally granted, you'll typically be covered." But borrowing a car under other circumstances may not be as clear-cut. It depends on your insurer and your particular policy. For example, coverage rules and regulations may be different if the driver lives in your household and could, or should, be listed as a named insured on your policy, but is not; or, if the driver is listed on your policy as excluded. Those more complicated situations would need to be discussed with your agent and claim representative. Typically, even if the person driving your car has his or her own insurance, your insurance will be the primary payer for damages caused by your vehicle; but, the person driving your car has to be found legally at fault before your insurance will pay. The driver's insurance is secondary and may cover some personal injury or medical expenses. It may also provide coverage in excess of your insurance coverage, if the cost of damages caused by your vehicle is higher than your policy limits."When you have someone you employ, such as a nanny or a nurse, who will be a regular, additional driver in your household, contact your insurance agent about your policy," Salvatore recommends. "He or she may need to be added to it."Because the policy terms and state laws can vary widely, always contact your insurance agent before loaning out your car, or other motor vehicle, such as: a motorcycle, boat, personal watercraft, snowmobile, ATV or RV. "Anytime you have a question about your policy, call your insurance agent first," says Salvatore. "You always want to let the insurance company know the circumstances. Get their advice." As with anything else, use good judgment and common sense. Make sure you are fully aware of the liability you may be opening yourself, and your auto policy, up to before handing over your keys. "Don't be cavalier about lending your car," adds Salvatore. "If you know someone isn't a good driver, think twice about giving your permission. Any crash they're in could go on your insurance record."  This article was contributed by Laurel Flowers State Farm Insurance Agent located in beautiful Saraland, Alabama.  You can contact Laurel and her fabulous team for all of your insurance needs.  Call 251-675-4736.

In an age where technology is rapidly shaping our daily lives, its important to recognize that the benefits of digital innovation are not limited to a specific generation. Seniors are often overlooked in the fast-paced world of app development and technology. However, seniors are starting to discover the advantages of convenience apps designed to enhance their lives.These applications have the power to simplify tasks, increase access to essential services, and improve seniors independence. In this article, we will explore a range of convenience apps tailored to the unique needs and preferences of seniors, shedding light on the digital tools that are helping them lead more comfortable, connected, and fulfilling lives.Best Multifunctional Apps for Seniors A number of multifunctional apps have emerged as helpful tools for seniors. These tools offer a wide array of benefits that can enhance seniors daily lives. They also empower seniors to maintain their independence, especially if they are aging in place. Below are some of these useful multifunctional apps for seniors.GoGoGrandparentPhoto credit: GoGo GrandparentGoGoGrandparent is an over-the-phone service that helps seniors access apps for transportation, groceries, meals, medication delivery, household chores, and more. This service screens and monitors services from Uber, Instacart, DoorDash, and other companies to ensure the senior gets their needs met. With this tool, seniors can schedule rides, get groceries and meals delivered, hire someone to do household tasks, and have their prescriptions delivered straight to their home. For a senior who has difficulty driving or moving around, these services can be invaluable. By calling the phone number no smartphone required the senior can select the service they are looking for, and GoGoGrandparent will coordinate the request. An operator is available at all times to help the senior if they need it.There are different GoGoGrandparent membership packages available depending on how often the senior wishes to use the service. The most basic plan best for occasional usage is $10.39 a month. There are also three other plans available with increasing levels of services.Life360Photo credit: Life 360Life360 is the #1 family locator app and safety membership. In fact, 1 in 9 families use Life360 in the U.S. This app allows families to track one anothers locations along with location histories, arrival alerts, and emergency dispatch. It also provides driving safety services with crash detection and roadside assistance. This type of service is helpful for all families to have peace of mind about everyones safety. It is especially beneficial for seniors whose families may worry about their whereabouts, safety, and location. Google HomePhoto credit: Google HomeThe Google Home system and its accompanying app have proven to be immensely helpful tools for seniors by making everyday tasks more accessible and convenient. Through voice commands, seniors can effortlessly set reminders for medication, appointments, or important events, and access a wealth of information, from weather updates to news headlines. The app, which can be installed on smartphones or tablets, provides an intuitive interface for managing various aspects of their Google Home devices. Whether its adjusting thermostat settings, playing music, or making hands-free phone calls, Google Home offers seniors an accessible and user-friendly way to stay connected and manage their environment. This ultimately contributes to a greater sense of independence and comfort in their daily lives.Amazon AlexaPhoto credit: Amazon AlexaThe Amazon Alexa and the accompanying app are a virtual assistant technology that simplifies seniors daily routines and enhances their quality of life. With voice-activated commands, seniors can effortlessly control smart devices, set reminders, and access a plethora of information. From playing music to providing health tips, the Amazon Alexa helps seniors maintain their independence while enjoying the convenience of a voice-activated digital assistant.Ride Hailing Apps for SeniorsRide-hailing apps have emerged as lifelines for seniors who no longer drive or do not have easy access to transportation. These apps offer a user-friendly and convenient way to secure reliable rides to medical appointments, social gatherings, or everyday errands. For seniors, this newfound mobility can significantly enhance their quality of life. Having a mode of transportation helps seniors access the essential services they need, and allows them to stay connected to friends and family. Socializing is key for seniors mental and physical well-being, and having access to transportation helps make that possible. Below are some apps seniors can use to find reliable transportation.Uber and Uber AssistPhoto credit: Phone ArenaUber is one of the most well-known ride sharing apps. It can be found in every state in the US along with 10,000 cities in 72 countries around the world. In 2021, Uber reported having approximately 100,000 drivers in the state of Florida. Seniors can enter their desired destination, and an Uber driver will come pick them up and bring them where they want to go.One tool for seniors who need more help is Uber Assist. This rideshare program provides special assistance for people who might need extra assistance, including those who are older, less mobile, or have disabilities. Drivers for Uber Assist have been specially trained on helping these riders into vehicles and loading and unloading assistive devices. Seniors can access Uber Assist in the regular Uber app, as long as the service is available in the area. After entering the desired destination, simply select Assist at the bottom of the screen. This service is also available for caregivers and family members who request a ride for a senior. And, you can even schedule an Uber Assist ride in advance on the app. Uber Assist is currently available in 40 cities.    Lyft and LivelyPhoto credit: LyftLyft is another major ridesharing app. Lyft works the same as Uber people can input their desired destinations, and a car will pick them up and bring them where they wish to go. Lyft is available in all 50 states as well as 72 countries. They also offer discounted rides for low-income families and seniors to access healthy food through their Lyft Up program. Lyft has partnered with Lively to create a service just for seniors who have Jitterbug phones. Seniors can simply dial 0 on their Jitterbug phone to be connected with an operator who will schedule a ride for them. This service is available anywhere Lyft operates.Grocery and Meal Delivery Apps for SeniorsGrocery and meal delivery apps can be life changing for seniors, ensuring they have access to fresh food and prepared meals without the challenges of in-person shopping or cooking. These apps allow seniors to conveniently browse, select, and order groceries or meals from the comfort of their own homes. With doorstep delivery, seniors no longer need to worry about transportation or navigating busy stores, which can be particularly taxing for some. In fact, seniors are using food delivery services at record-breaking rates. A recent study found that in 2020, 1 in 4 seniors ordered groceries or food delivery.This technology not only simplifies seniors daily routines but also contributes to their overall well-being, offering a lifeline for those who may have limited mobility or want to avoid crowded public spaces. Food delivery tools are another way seniors can maintain their independence and quality of life. Below are some of the most prominent.InstacartPhoto credit: InstacartInstacart is a grocery delivery service that allows you to shop from your favorite grocery stores with your computer or mobile device. Simply add items to your cart and schedule your preferred delivery time, which can be as fast an hour, or even several days in advance. Then, a shopper will gather your items and deliver them straight to your door.Instacart even has a special Senior Support Service for customers over age 60. With this service, Instacart specialists help customers who may need additional assistance to set up their accounts and place grocery orders. The Senior Support Line is available in the U.S. and Canada at 18449813433, daily from 8 a.m.-11 p.m. ET. Amazon Prime and Whole Foods deliveryPhoto credit: Food Business NewsWith over 200 million members, Amazon Prime has become an exceedingly popular service. Amazon Prime is a great tool for seniors to get household items delivered straight to their home. They can even schedule the items for repeat delivery so they never need to worry about reordering items. One useful feature that comes with Amazon Prime is Whole Foods delivery. For $9.95, Amazon Prime members in select regions can order Whole Foods groceries via Amazon.com or the Amazon app, and schedule them for same-day or next-day delivery to their home. Customers can also order Whole Foods groceries for curbside pickup at no additional cost. Grocery pickup is available at 500 Whole Foods stores in the US.UberEatsPhoto credit: UberEatsFor seniors who are already familiar with the Uber app, UberEats can be a great way to have meals delivered from their favorite restaurants. The companys food-delivery platform is similar to its rideshare platform, which can be helpful to streamline the experience for seniors. DoorDashPhoto credit: AllrecipesDoorDash is widely considered the most popular food delivery service in the US. Available in about 7,000 cities, DoorDash delivers food from more than 300,000 restaurants. It also saves your previous orders to make it easy for seniors to reorder from their favorite spots.GrubhubPhoto credit: GrubhubGrubhub delivers to about 8,000 cities in the US. In Florida, Grubhub delivers groceries and household items from about 260 restaurants and stores. The platform works the same way as UberEats or DoorDash, but some believe GrubHub has a wider selection of restaurants to choose from. Health Apps for SeniorsApps related to health and wellness are another beneficial technology for senior citizens. By enhancing health awareness and accessibility to care, health apps are valuable assets that enable seniors to maintain their health as they age. Below are some popular apps for senior health.MediSafePhoto credit: BridgingAppsMediSafe is the #1 rated pill reminder app by pharmacists and physicians. The app keeps track of your medications, reminds you when to take them, and tracks when you have or have not taken them. It also provides drug interaction warnings if they occur. And, it can alert seniors caregivers of missed doses.Medication management can be a challenge for some seniors, especially those who are experiencing memory difficulties. An app like MediSafe helps seniors keep track of their pills and prevent the dangers that can come with mismanaging medication.GoodRXPhoto credit: Medcity NewsThe GoodRX app and website provide coupons that can save customers up to 80% on their prescriptions. This service also allows customers to compare prices of prescriptions across 70,000 U.S. pharmacies. In Florida alone, there are over 1,300 pharmacies that accept GoodRx coupons and discounts. Overall, this service is a helpful resource for seniors to save money on necessary medications, which can quickly get expensive.ConclusionWhether seniors are aging at home or in a Florida assisted living community, convenience apps have proven to be invaluable tools for improving independence and quality of life. By making everyday tasks more accessible and efficient, these apps empower seniors to lead more full, connected lives, while also providing peace of mind to their loved ones. As technology continues to advance, the positive impact of convenience apps for seniors will continue to increase, creating a more inclusive and supportive digital landscape for our senior community.Need more senior guidance?Navigating the challenges that come with aging can be difficult. If you or a loved one could use no-cost guidance on finding the best senior living and care, give Florida Senior Consulting a call at (800) 969-7176.We help seniors find their perfect senior living communities, and we help with every step of the process along the way! Touring, packing, moving, unpacking, settling in we help with it ALL!Visit FloridaSeniorConsulting.com to learn more.

Deteriorating eyesight is a common concern for older adults. However, no vision problem should be ignored. Changes in how you see could point to an underlying issue that needs to be addressed. Even if the changes are harmless, chances are an eye doctor can treat your eyesight troubles and improve your quality of life. Eye Conditions & Disorders Common Among Seniors Aging eyes are often more delicate and prone to problems than younger eyes. Many seniors also have diabetes or other underlying problems that complicate eye care. As a result, the risk of developing eye conditions increases when you reach your 60s and beyond. These include: Trouble focusing on up-close objects (presbyopia) Difficulty discerning contrast between colors Needing more light to read Pupil contraction Eyelid inflammation Loss of peripheral vision Dry eye Floaters Serious eye disorders (Opens in a new window) are also more likely to appear with age, including: Cataracts: A cloudy area in the lens of the eye, or cataract, develops slowly over time. Most people develop cataracts when they get older. Fortunately, the condition is treatable by surgically replacing the affected lens with an artificial one.  Glaucoma: This group of eye diseases damages the optic nerve, causing gradual vision loss. A comprehensive eye exam is the only way to diagnose glaucoma before symptoms appear. Treatment options include eye drops, other medications, and surgery. Macular degeneration: The largest risk factor for age-related macular degeneration is being 50 or older. This disorder causes vision loss in the center of the field of vision, but it rarely leads to complete blindness. There are ways to slow the progression of macular degeneration, but surgery is the only way to fix it. Diabetic retinopathy: This progressive condition affects people with high blood sugar. It can cause vision loss and eventual blindness if left untreated. While not curable, diabetic retinopathy can be slowed or stopped by taking medication and controlling underlying diabetes. Retinal detachment: When the tissue at the back of the eye (known as the retina) pulls away from the supportive tissues surrounding it, a sudden loss of peripheral vision, flashes of light, or excessive floaters may occur. This rare condition requires prompt medical attention to save the vision in the affected eye. Why Routine Eye Care for Seniors is So Important Whether youre experiencing typical age-related vision changes or symptoms of a concerning eye disorder, you should plan to make routine eye care an integral part of your health regimen. Heres why: Detect problems early: Vision problems progress more quickly in older adults, meaning routine eye care is essential to identify a condition or disease and begin treatment before it significantly affects your eyesight. Seniors are advised to visit the eye doctor once a year. Preserve your eyesight: Managing diagnosed eye conditions with medication and routine eye appointments can help your vision remain as clear as possible for as long as possible. This allows you to continue enjoying the hobbies and passions you love, such as reading, golfing, or knitting. Continue driving safely: Slowly degenerating eyesight can make driving unsafe, yet you may be reluctant to give up the car keys. Eye care for seniors can help you drive safely for years longer than if you neglected your eyesight. Reduce falls: Falls are the leading cause of injury among older adults, but they are not an inevitable part of aging. Scheduling routine eye exams to check for visual acuity can reduce your risk of falling and getting injured. In-Home Care Professionals Promote Senior Eye Health If youre the family member of an aging adult, you may have safety concerns as they navigate the changing vision that comes with age. Thats where an in-home care provider (Opens in a new window) can prove invaluable. Heres how this professional can assist your loved one: Offer eye exam reminders: Keeping up with routine eye care is important for all seniors. A care provider can remind your loved one when its time to schedule or attend an eye exam and can even arrange transportation if needed. Create a safer home environment: Poor eyesight increases the risk of accidents. A care professional can help make a seniors home safer(Opens in a new window) by removing obstacles that could lead to a slip, trip, or fall. Handle daily tasks: Reading recipes, matching laundered socks, shaving, and putting on makeup is difficult to do with vision problems. A caregiver can provide the help a senior needs when attempting to complete these and other day-to-day tasks. Assist with vision aids: Whether your loved one needs to keep track of their glasses, adjust their cell phone for easier viewing, or set up voiceover features on the TV, an in-home care provider is the perfect person to help. Manage risk factors: Certain lifestyle tips can improve vision and slow the progression of age-related eye diseases. A care professional can prepare nutritious meals, encourage regular exercise, and remind older adults to take their medications, all of which promote eye health. Offer companionship: Vision loss makes older adults more prone to loneliness and isolation. A caregiver doubles as a social companion, providing stimulating interaction in the comfort of the seniors home. Arrange Personal Care Services from BrightStar Care The compassionate, knowledgeable home care professionals at BrightStar Care always strive to give you moremore convenience, more security, more peace of mind. Whether theyre arranging transportation to an eye exam, reminding a senior to apply their eye drops, or reading incoming text messages from family members, you can feel confident your loved one is cared for, even when you cant be there.