A licensed physician can voluntarily report concerns about a patient’s driving ability — but the law does not require it. Thirty-eight states have no mandatory medical fitness evaluation for older drivers. NHTSA data shows drivers aged 85 and older have the highest fatal crash involvement rate of any age group — including teenagers. Insurance companies price this way because per-mile fatal crash rates for drivers 80 and older are similar to the rate for 16-year-old drivers — despite the older driver’s vastly greater experience. AAA says the goal is to help older adults “stay safe, mobile, and independent for as long as possible.”