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.
Factors that affect car insurance rates
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:
- Type of disability. A driver’s disabilities may come in different levels, from physical to mental. The type, along with the severity of the disability, such as loss of hearing or requiring the use of a wheel chair, will impact coverage needs, which will impact your final rate.
In addition, some disabilities such as those that cause seizures may require doctor approval before an insurance provider will carry someone.
- Add-on and speciality equipment. Some disabled drivers require the use of speciality equipment to safely operate a vehicle. Car insurance must cover such added equipment as ramps, hoists, vehicle control devices, or pedal extenders installed to accommodate the disabled driver.
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.
Extra insurance needed by disabled drivers
Because of these additional factors, further insurance needs that may apply to disabled drivers include:
Equipment insurance (may also be called “Special Equipment Coverage”). This covers and insures all properly installed and disclosed equipment added onto a vehicle. Often, this covers lifts but may not cover all specialized equipment or systems.
Mobility insurance. Should a crash or incident occur, this coverage will make sure the driver has a vehicle that can accommodate their disability to utilize as a rental while their vehicle is being repaired or replaced.
Handicapped equipment insurance (sometimes called “Adaptation coverage”). This covers any type of change or modification to a vehicle made to enable a disabled person to safely operate a vehicle.
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.