Got a case where the owner is the grandmother with an expired picture id-doesn't drive, doesn't need it anymore she's 72. The P.I. has an SR22 (uninsured- no DUI or reckless violation) Is this an automatic turn down for a simplified term policy? P.I. is 23 and healthy, No meds, nothing. Height weight perfect as in well within guidelines but a smoker. Anyone? Thanks!