The law of Americans with Disabilities Act (ADA) protects the rights of all disabled persons which also includes allowing them to drive despite their impairments. Under this law, no car insurance company could deny coverage to the person with a disability nor could such people be charged a higher premium simply because of their disability.
Although a disabled person is allowed to drive, there do exist certain medical conditions that could raise a question of safety risks for not only the driver and the passengers, but also for other third-party motorists on the road. To minimize the risk up to a possible extent in such conditions, modifications to the vehicles are both allowed and covered for making them mobility-enhanced or disability-adapted vehicles as per the need.
Before we learn about the types of equipment & Tips that can be used to get insurance easily, let’s get familiar with a few different types of conditions that a driver with a disability might experience. These conditions by themselves still cannot void the availability of car insurance for them nor are the limited qualifiers to attain disabled person auto insurance.
Again, these conditions do not ascertain that the respective drivers are surely at a higher risk for accidents but if they’re medically approved by the doctor then they could make use of safety enhancement equipment to aid their driving abilities.
The reason why insurance companies could charge higher for premiums is because of the following reason instead of any bias:
Making modifications to the car to make it disability-adapted or mobility-enhanced is crucial for all drivers with disabilities. While these changes drive the cost of the car insurance premiums and reimbursement higher, not disclosing them to the car insurance company at the time of purchasing the policy could, later on, make your claims and coverage invalid.
Thus, to assist you in determining the commonly fitted equipment for disabled drivers, the following modifications are good examples:
The list of modifications suggested above could also contain several other types of equipment and for scenarios where fitting them could prove to be costly, the following are some ways that can make it easier for a disabled person to bear the expenses.
Lastly, you can always trust Alias Insurance to help you get the best affordable car insurance. Save maximum by learning about all the various discounts that you can qualify for while you purchase the relevant liability coverage suitable to your needs.
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