Previously, disabled people depended on others for commuting. However, now, the modern technology combined with sophisticated features (including wheelchair-adapted seats, adjustable seat belts, hand controls to access brakes and wheels, etc.) allow them to drive independently. This is a good thing, but unfortunate incidents can happen anytime, and to stay covered against them, a car insurance policy is necessary.
Undoubtedly, car insurance for disabled people won't be the same as car insurance for normal people; there might be some differences in cost, coverage, requirements, etc. Let us discuss them.
Will People with Disabilities Be Charged More?
No! The Americans with Disabilities Act (ADA) prevents insurance providers from charging more for disabled people just because of their condition. While there are several disabilities, insurance companies consider the following conditions as disabilities:
- Amputee or paraplegic
- Hearing or vision loss
- Cerebral palsy
- Neurological conditions or mental health illness
- Stroke
- Wheelchair use
- Epilepsy
Though insurance providers cannot charge more for disability, they consider disabled drivers riskier, thereby increasing their insurance costs.
How Does Disability Impact Car Insurance Costs?
The following factors can increase the car insurance cost of disabled drivers:
Vehicle Customizations
Disabled people may require some customizations in their car for comfortable driving, including:
- Pedal or seat belt extenders
- Hand controls for drivers with loss of function or missing limbs
- Steering devices
- Custom mirrors
- Adjustable seats and restraints
- Keyless ignition and entry
- Siren alert
- Automatic doors
- Emergency brake extenders
These features are expensive, increasing their claim and the coverage amount, thus increasing the insurance costs.
Safety Risks
Insurance providers consider disabled drivers unsafe for other drivers, pedestrians, and passengers, as they have an increased risk of causing an accident, increasing the probability of filing frequent claims. As a result, they charge more for disabled drivers.
Additional Coverages
Insurance providers may not cover the customizations of your car, so you may need some additional coverages, including:
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Special Equipment Coverage
Provides coverage for your car's modifications, but mostly, don't cover walkers, wheelchairs, and scooters, so consult with your provider for more details.
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Roadside Assistance
Covers towing services and a tire change or gas refill after an accident.
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Mobility Car Coverage
Reimburses temporary transportation costs while your car is being repaired after an accident.
Basic Car Insurance Coverages for Disabled Drivers
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Collision and Comprehensive Coverage
Provides coverage for car damage.
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Uninsured/Underinsured Motorist Coverage
Covers accidents caused by drivers with limited insurance or without insurance.
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Personal Liability Coverage
Covers third-party bodily injuries and property damage.
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Medical Payments and Personal Injury Protection Coverage
Covers the medical expenses of you and your passengers following an accident.
How to Get Discounts for Disability Car Insurance
- Bundle your car insurance policy with other policies, such as homeowners insurance and life insurance, to get some discounts.
- A veteran or their family member is eligible for a 25% discount on car insurance.
- A good driving record or taking a defensive driving course can help you get some discounts.
- Students with a B or higher grade and a higher attendance are eligible for a 20% discount.
Car Insurance Requirements for Disabled Drivers
Fulfilling the following requirements will help you get a car insurance policy quickly:
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Reduced Risk
Using technologies and devices to drive safely or joining driver rehabilitation programs for safe driving will reduce your risk of getting into accidents.
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Integrity When Applying
Be truthful when informing about your disability to your provider instead of hiding something, which may lead to policy cancelation or claims denial.
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Medical Clearance
You must have a DMV certification stating that you are medically fit to drive.
Now you have a clear idea about car insurance for disabled drivers. All you need to do is explore different providers and choose the one that offers extensive coverage at affordable rates.
Consult with Spotlight Insurance Agency
Looking for all-inclusive car insurance in Denver, CO? Contact us today at Spotlight Insurance Agency, and we will help you choose the right coverage.
