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Life Ahead
Your Car

Your Car

 

What's Your Crash Risk?*

If you're a driver 50+, take this short quiz to learn more.


When and Where You Drive

1. About how many miles do you drive in a year?

2,500 or less
2,501 - 7,500
7,501 - 10,000
Over 10,000

2. How often do you drive an automobile?

Every day
2-3 times a week or less

3. In what kind of area do you do most of your driving?

Small town or suburban
Urban
High density urban

4. How often do you drive at night?

Daily
Weekly or less


Your Driving Record

1. How many traffic violations (tickets) have you had in the last 3 years?

None
One or more

2. Have you, as a driver, been involved in a crash in which you were at fault in the past 3 years?

No
Yes

3. Have you, as a driver, been involved in a crash in which someone else was at fault in the past 3 years?

No
Yes


About You

1. Are you:

Male
Female

2. What is your marital status?

Married
Not married

3. How many people live in your household? (Include yourself.)

One
Two
Three or more

4. What is your age?

50 - 60
61 - 65
66 - 70
71 - 75
76 or older

5. How many organizations do you belong to as an active member? (Include religious, business, political, professional, social, fraternal, military, clubs, lodges, etc.)

None
One to four
Five or more

6. At night, how much difficulty do you have reading the instrument panel in your car because it is too dim?

None at all
A little
Quite a bit

7. At night, do you have difficulty seeing pedestrians by the side of the road?

Not at all
A little
Quite a bit

8. Over the past year, the time you have spent on hobbies or leisure activities is:

More than a year or two ago
About the same as a year or two ago
Less than a year or two ago


Submit

Understanding Your Score

When & Where You Drive

Think about when and where you drive, and what changes you can make to lower your risk of a crash.

Driving Record

Review your driving record for clues to your crash prospects.

Driver Characteristics

Assess your characteristics, degree of social involvement and self-awareness -- issues which affect your chances of a crash.

Your Overall Risk for Crash

The results for "overall risk" are based on a 5-point scale:
much lower risk, lower risk, average risk, higher risk, much higher risk.

Actionable Steps – What You Can Do

Make choices about when and where you drive...

  • Plan and consolidate trips.
  • Reduce unnecessary driving.
  • Drive during daylight when possible.
  • Avoid driving in congested areas.

Improve the safety of your driving environment...

  • Actively look for potential hazards. Be alert to trouble spots such as intersections and busy streets.
  • Be especially alert in low contrast conditions such as fog, rain, cloudy or snowy days, twilight, dawn and nighttime. Everyone’s contrast sensitivity is reduced in these conditions.
  • Glare can create low contrast, too. Use your day-night mirror to reduce glare from cars behind you.
  • If you don’t have automatic headlights, turn headlights on 30 minutes before sunset and leave them on 30 minutes after sunrise. Always use them on rainy, cloudy or snowy days.
  • Dirty or scratched glass scatters light and reduces contrast. Keep your glasses, windshield and headlights clean.

Become more self-aware...

  • Arm yourself with self-knowledge about your driving.
  • Be aware of your limitations.
  • Recognize that with increased age comes increased risk.
  • Recognize the benefits of being involved with other people.
  • Keep up with the hobbies you enjoy.
  • Ask a friend for a ride if you’re not up to driving.

Learn from your driving record...

  • Recognize the significance of being involved in an accident or of receiving a ticket for a moving violation.
  • Accept such incidents as warning signals.
  • If you sometimes feel you’re missing things you should be seeing, be honest with yourself. Analyze close calls.
  • Take an older driver refresher course, such as those offered be the AARP’s Driver Safety Program.

Reset Quiz

* This crash risk quiz is based on a research study of nearly 1,500 drivers, between the ages of 50 and 95, conducted by The Hartford. The risk factors and findings are derived solely from the results of that research study.

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AARP Members Deserve Exceptional Benefits from The Hartford:

  • First Accident Forgiveness
  • Lifetime Renewability
  • Disappearing Deductible
  • RecoverCare
Explore Benefits

Sometimes Accidents Happen to Even the Best Drivers.

And it's why we offer First Accident Forgiveness.
Learn More Now

Our Policyholders Deserve Better.

We want to keep you insured for as long as you're on the road. That's what Lifetime Renewability is all about.
Learn More Now

Now You See It. Now You Don't.

Our Disappearing Deductible rewards a clean driving record. Learn how you can earn a $0 deductible.
Learn More Now

When You're Injured in an Accident, Our RecoverCare Benefit Covers the Cost of Daily Chores.

We can help pay for cooking, cleaning and yard work.
Learn More Now

Find an Agent

Prefer to work with a local insurance agent? We'll help you find an agent in your area.
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Who Can Benefit from a Comprehensive Driving Evaluation?

Visiting a professional for a comprehensive evaluation takes the guesswork out of assessing your driving skills.

Myth Buster Quiz

Myth Buster Quiz

Take our true/false quiz to test your knowledge about safe driving for a lifetime.

This auto and home insurance program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. CA License #5152. In Washington, the auto program is underwritten by Hartford Insurance Company of the Midwest, and the home program is underwritten by Hartford Fire Insurance Company. In Michigan, the auto and home programs are underwritten by Hartford Underwriters Insurance Company. The homeowners product is not available in all areas, including the state of Florida. Specific features, credits, and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify.

In Texas, the auto program is underwritten by Southern County Mutual Insurance Company through Hartford Underwriters General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. In Texas, the home program is underwritten by Hartford Fire Insurance Company.