Everybody who owns or drives a car should have classic car insurance, including those with disabilities. Depending on the type of disability a person has, they can still, and should be allowed to, drive a car. Sometimes the car will need special modifications so that the operator can properly handle the vehicle, and that is okay. A comfortable driver is a safe driver.
There are many myths around car insurance for people with disabilities. Some people think it’s unobtainable and others expect it to be super expensive. In fact, both of these beliefs are untrue. Depending on the driver’s disability, it is illegal for an insurance company to deny a disabled person or charge them higher premiums solely because they are disabled.
The Americans with Disabilities Act was passed in 1990 and ensures that American with disabilities will not be discriminated against under any circumstances. This protection includes public life and work, and includes car insurance acceptance and rates. But, it is important to note that in some rare cases, an insurance company can charge a higher premium. In order for the car insurance company to charge a disabled person a higher premium, they must provide statistical data that proves the person’s disability puts them in a higher risk of being involved in a car accident. If a car insurance company can not produce this data, they are not legally able to increase policy premiums for that person.
People with diabetes, heart conditions, and epilepsy can legally incur a high car insurance premium because these drivers with these conditions could experience seizures or hypoglycemic attacks while driving. People that have lost a limb or that are paralyzed are typically safer drivers and are less likely to be involved in an automobile accent, thus they are not legally able to incur a high car insurance premium.