One of the most important — and contentious — conversations between adult children and their parents often focuses on whether an older driver should give up the car keys.

Sometimes, the reasons are concerns over cognitive or physical problems. Other times, it's a growing litany of small accidents or close calls that spark a crisis. In some cases, the older driver can help ease worries by agreeing not to get behind the wheel at night, in bad weather or during heavy rush-hour traffic.

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If your family is headed to this crossroads, you know how hard it is to get the discussion started. For some ideas and tips, The Hartford insurance company offers "We Need to Talk: Family Conversations With Older Drivers," a free 24-page booklet that includes a section on how to spot warning signs in older drivers.

You can download the booklet at To order a free print copy, go to