Having a disability used to severely impact a person’s ability to qualify for car insurance or pay reasonable rates. Today, insurance providers cannot discriminate against a person because of their disability due to the [1990 Americans with Disabilities Act (ADA)](https://www.ada.gov/]
. Currently, differently-abled persons are provided the same options for affordable, quality car insurance as other types of drivers.
There are several factors that may impact a disabled person’s ability to acquire car insurance and their final rate. Some of these factors include:
In addition, some disabilities such as those that cause seizures may require doctor approval before an insurance provider will carry someone.
Be sure to inform your insurance provider about all added equipment on your vehicle and ensure it is covered by your policy. In addition, make sure all equipment has been installed by a qualified vehicle modifier to reduce the risk of an accident related to equipment failure or poor installation.
Because of these additional factors, further insurance needs that may apply to disabled drivers include:
Disabled persons deserve to get the most out of their car insurance. Insurance is essential for vehicle owners, but situations do change and some accommodations may be required, which can result in overpayment. If you are a driver who is differently abled and want to ensure you get the best car insurance, a few insurance companies specialize in working with disabled persons or have plans and policies in place that can help.