The authority rules make it illegal to charge higher car insurance for drivers with disabilities. However, if disability can hamper your standard driving ability then you may have to pay more as compared to other people.
You can get around with a medical certificate or some vehicle modification and get the normal prices for car insurance premiums. Just because you have a disability, the insurer won’t spike your premium rates but switching to specially modified equipment can spike the rates of your insurance premium.
Now, you will wonder how disability can affect car insurance.
How car insurance differs for a disabled person?
If your disability can affect your driving skills, then your car insurance may be affected. Keep these things in mind when you are getting insurance for the disabled person:
- Not all disabilities will affect your driving as the need for a walker or cane might not affect your driving but having poor eyesight will.
- Your state DMV may need written proof that you are safe behind the wheels depending on your disability. And this can be added to your license.
- If you are learning to drive for the first time, then you may want to cover your car with extra protection insurance plans. Medical coverage and roadside assistance will give you top-notch service but will add extra cost to your insurance premium.
- It is illegal to discriminate based on disability for insurers but they can raise the rates as per risk factor. For example, a person with heart diseases, fainting, and dementia possess high-risk on-road and the premium rate of insurance will be high for a person with these disabilities.
Which types of coverage should drivers with a disability get?
If you are someone with a disability and want to ensure your car, then adding some additional coverage will help you in the longer run. There is some additional coverage that will accommodate your disability and protect you in the event of injuries or damaged vehicles.
The standard coverage is:
- Personal Liability will compensate for injuries or damages to other driver’s vehicles and property.
- Collision and Comprehensive will reimburse vehicle damages.
- Personal Injury Protection and MedPay will cover the cost of bodily injuries to you and your passenger.
- Uninsured and underinsured coverage will cover in case you had an accident with such a driver.
These are the standard coverage and some additional coverage are:
- Roadside assistance will offer you towing service, roadside assistance, and pick up immediately following an accident.
- Adaption or special equipment will cover damages to custom parts installed in your vehicles like wheelchair ramps or special mirrors.
- Mobility car insurance coverage will reimburse the cost of a temporary vehicle in the event that your special vehicle is under repair.
How can you get cheap disabled car insurance?
You need not pay extra as with these tips you can save money:
- Research well and compare as you might get a cheaper rate than your current insurer.
- Opt to go for telematics as it will charge you as per your mileage and your driving habits. Safe driving and low mileage will end up saving you some extra bucks.
- Consider using the same insurer to buy all your insurance as you will be given cheaper rates for bundling policies.
- Make sure you know all the auto insurance discounts for the disabled including homeownership or safety course completion benefits.
- Take unnecessary coverage and eliminate all the extra insurance out of the policy in order to save money.
If you are looking for car insurance for the disabled then Alias Insurance will help you by comparing the multiple quotes. If you need any expert advice, you can always count on insurance experts as one of the most dedicated and knowledgeable teams and will try the best to solve your every query.