The United States has laws that protect the rights of people with disabilities. Complying with the 1990 Americans with Disabilities Act (ADA) means that car insurance companies can’t charge higher rates for car insurance for the disabled. However, there are extra costs that some drivers face because of their disability and the need for accommodations when driving.
Read on to find out more about disability car insurance and what to know when you are shopping for a new car insurance policy.
Car Insurance for The Disabled
The process for purchasing car insurance coverage if you are a driver with a disability is essentially the same as for anyone else. For instance, the insurance company will consider many factors when it determines your premium amounts. Things like your driving record, where you live, and other factors are used in the calculation for everyone.
There can be special options and or considerations, however, for some types of disability. Generally, major insurance companies consider certain conditions a disability when pricing your policy. These can include:
- Use of a wheelchair
- Paraplegia and amputations
- Cerebral palsy
- Vision or hearing impairment
- Some mental and neurological conditions
Rates will vary from company to company with any of these conditions. If you require special modifications to your vehicle to accommodate your disability, additional cost considerations may need to be taken into account.
Car Insurance for Modified Vehicles
Specialized equipment that modifies a vehicle for your needs should be protected in case of an accident. You can also choose to take extra coverage in order to protect yourself, especially if the modifications are expensive. Remember, if you don’t report your special equipment to the insurance company, you may not get reimbursed for it should you have an accident.
Some types of adaptive equipment include:
- Hand controls
- Wheelchair/scooter lifts
- Pedal extensions
- Altered or extended steering controls
If you don’t cover these special items, you may end paying out-of-pocket for expenses related to repair or replacement if you have an accident.
Car Insurance for Drivers with Disabilities
Insurance companies must be in compliance with the ADA. To that end, many have created a process for quoting rates for a disabled driver. And, most companies do offer special options for those with disabilities.
However, rates may vary greatly between companies. Just like everyone else, disabled drivers should understand the coverage they need, so they are not buying too much, and should know about available discounts. Then, the easiest way to save is to shop around.
InsuranceWins is here to help. Use our form to receive quotes from well-known insurance companies. Then, just compare rates and find a car insurance policy that meets your personal needs.