When my husband's driving became a legitimate concern, I told him it was time to stop and cited two incidents that scared me as a passenger, wife, and potential co-defendant in an accident case. Whether your husband causes an accident or is involved in one caused by another driver, the fact remains that he has a dementia diagnosis of record, and you (wife) were aware of that fact as he continued to drive. The liability you share with him is real. Likely you have not advised your insurance company that one of the insured drivers on your policy has dementia or they may have required a certified driving assessment by a mental health professional or canceled his coverage. Unless your financial situation allows for self- insurance, and you are not concerned about causing property damage, serious bodily injury or death, or sharing in civil or criminal penalties arising from fault in a driving event, by all means continue to LET him drive. You can also advise him that due to your concerns for his safety, and the impact a serious accident may have on your financial security you will shift these worries to his PCP or physician managing his dementia. In this case liability would involve his doctor(s) and expose their medical licenses to jeopardy. No doctor will want to accept that type of liability. Physicians can initiate the process in your state of removing driving privileges. Sorry to be so blunt, but this is a very serious issue for you, your husband, and those on the road with him. With dementia no one ever knows when the "first time" for something will occur even when in the driver's seat with an excellent previous driving record.