I’d get a consult with an elder law attorney and request information on your legal remedies. Sadly, sometimes the only way to get actual legal authority needed to prevent a tragedy is to get it through the courts. I’d do that before canceling any insurance.

As long as he’s licensed, insurance should cover him if wrecks. His doctor may send a notice to DMV so he must test to keep his license, but with dementia, he may drive regardless of whether he has a license. Reason and judgment go out the window.

The bottom line is that after the doctor tells him to not drive, it becomes a real liability for the family member who doesn’t prevent it. For anyone he injuries, they or their estate could sue the spouse of the driver who was told not to drive, as well as the driver. So, it’s a real liability.

It was difficult to get my dad to give up driving, but we hid the keys and refused to give them back no matter how upset he got. He occasionally says he wants his keys and I say later….but later never comes. Then he forgets about it.

There are a number ways to approach it. I hope you find one that works for your situation.