Disabled citizens may face some complicated questions when trying to figure out how to procure coverage from car insurance companies. There are two common misconceptions out there regarding disabled drivers and auto insurance that need to be clarified so that people can feel more comfortable about the issue.
?The 2 Misconceptions at Issue:
- Disabled People Aren?t Able to Get Car Insurance
- If Car Insurance is available for these individuals, it is much more expensive
?Guaranteed Protection Of Rights
The Americans with Disabilities Act was signed into law in 1990. This piece of legislation guarantees individuals with disabilities the unalienable right to go where they choose, labor?they are qualified to be employed, & drive their own cars without undue consideration being given to their particular disability.
Basically, the simplified version is that people with disabilities are privy to the same rights as everyone else. They are protected in having access to public transportation, as well as a car insurance policy from the car insurance company they prefer without being discriminated against because of their?disability.
Assessment of Risks & Car Insurance
When it comes to car insurance coverage, an individual shall not be deprived of coverage or charged a greater premium because of they are disabled unless the insurance company has ironclad documented evidence that the disability worsens the risk that person poses to themselves or while operating the car, truck, or other motor vehicle.
For example, a person who has diabetes and suffers a hypoglycemic episode could without any previous indication be a major threat to not only themselves, but other drivers on the highway. Insurance companies have to consider this when writing a policy, and create premiums accordingly.
Fair Coverage For Disabled Americans
A good example of how a disability won?t impact the premiums is with an individual who has suffered the loss of a limb. Unbelievably, research shows this disability actually lowers the risk as a driver. For a variety of unknown reasonreasons, these people tend to be more cautious & courteous, and pose less of a threat than an unimpaired driver.
Every citizen who is legally allowed to have a driver license is insurable at fair rates. Certain disabilities, such as Type I diabetes or epilepsy may have certain restrictions applied at the DMV level, such as a documented period free of seizures or blackouts, but if you have the legal right to drive, you are also entitled to fair and affordable auto insurance coverage. Insurance companies, like restauarants and employers, are forbidden by law to impose unfair costs or impose unjustifiable surcharges solely because someone is disabled.
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