What Is Disability Car Insurance?
The Americans with Disabilities Act stops insurance companies from overcharging disabled drivers to insure their cars just because of their condition. As a result, drivers with disabilities will get the same policies as other drivers. However, they may choose extra coverage, like mobility car insurance coverage, that offers certain protections for damaged vehicles. Insurance companies consider the following conditions as disabilities.- Stroke
- Epilepsy
- Hearing loss
- Cerebral palsy
- Wheelchair use
- Neurological conditions
- Amputee or parapalegic
Is Car Insurance More Costly For Disabled Drivers?
As we said earlier, the law does not allow insurance companies to charge drivers with disabilities more premiums based on their condition. But if your disability will affect your ability to drive safely, it may affect your rates because your insurance company may revise your risk rating.What Is The Best Coverage For Drivers With Disabilities?
Full coverage is considered the best insurance for drivers with disabilities because you will get everything you need. Here are what you will get with a full coverage policy:- Personal liability
- Comprehensive and collision
- Underinsured and uninsured motorists
- Personal injury protection (PIP) and Medical payments (MedPay)