Getting car insurance for a disabled person is a work that is full of hassles sometimes. However, one gleaming light is that according to The American with Disability Law Act, insurance companies are refrained from charging a disabled person with higher insurance rates.
There are loads of conditions which are covered in these car insurance plans. However, disabled drivers can face high and expensive premiums due to added safety risks for people with certain medical conditions.
Additional costs revolve around factors like vehicle modification, increased cost of mobility-enhanced vehicles such as wheelchair vans. However, you need not worry too much about the costs as there are lots of car insurance discounts available for disabled people to help you save some bucks.
Now, you will wonder; what types of conditions are included in the insurance plans?
Conditions covered in the disabled car insurance?
There are lots of people who drive a vehicle even though they have poor sight, yet they chose to drive with the help of glasses. On the other hand, with the hearing aid, people with a hearing problem can also drive and blind people can get insurance for people who drive them around.
However, there are some conditions that are labelled as severe by many insurance companies, such as:
- Epilepsy
- Neurological and mental health problem
- Stroke
- Diabetes or heart conditions
Most people think that people with lost arms or legs can cause a big accident. However, they are proved to be more careful drivers. But people who suffer from epilepsy or heart disease can have seizures or heart attack any time and end up causing a fatal accident on the road.
In these types of cases, insurance companies can demand a clearance report from the doctor.
Types of auto insurance for disabled drivers:
If you are someone with a disability and drive a car with a passenger then opting for additional coverage can accommodate your disability and protect you in the event of an accident.
What follows are coverages that are included in standard car insurance for disabled drivers:
Personal Liability: this coverage will help you reimburse the damage done to the other drivers and their properties.
Comprehensive and Collision coverage: this coverage will cover the vehicle damage.
PersonalInjury Protection and Med Pay: as the name suggests; it will cover the cost of body injuries inflicted during the accident to your or your passenger.
Uninsuredor Underinsured Motorist: if you had an accident with someone who doesn’t have insurance then all the cost of the bodily injuries and vehicle damages will be reimbursed by the insurance companies.
Some additional coverage includes:
Roadside Assistance: This coverage will offer you towing service, roadside assistance, and pick-up service instantaneously following an accident.
Adaption or Special Equipment coverage: this coverage will help you reimburse damage to the custom parts installed in your vehicle. Before buying the insurance plan; ensure that it does not only cover equipment attached to your vehicle only.
How to find auto insurance discounts for disabled?
If you want to save money on your insurance then the best way is to shop around. If you properly search the insurance market then you will see how insurance premium varies from one company to another. Hence, search through the market and compare prices before you zero down your favourite insurance plan.
What follows are some tips that can save you some money on your insurance:
- There are multiple discounts available in the market and all you have to do is to search for these discounts. Ask your insurer about various discounts like a senior driver, low mileage, or loyalty discounts and see if you are eligible or not.
- Go for telematics or usage-based policies as they will charge you as per your driving habits and miles you drive respectively.
If you are looking for insurance for a disabled person then look no further than Alias insurance. The experts will help you search for the best and cheap rates for your car insurance and provide you with a hassle-free process.
There are lots of people who drive a vehicle even though they have poor sight, yet they chose to drive with the help of glasses. On the other hand, with the hearing aid, people with a hearing problem can also drive and blind people can get insurance for people who drive them around.
There are lots of people who drive a vehicle even though they have poor sight, yet they chose to drive with the help of glasses. On the other hand, with the hearing aid, people with a hearing problem can also drive and blind people can get insurance for people who drive them around.
There are lots of people who drive a vehicle even though they have poor sight, yet they chose to drive with the help of glasses. On the other hand, with the hearing aid, people with a hearing problem can also drive and blind people can get insurance for people who drive them around.
