Disability Car Insurance

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Here's what you need to know...
  • Depending on the state, a policy for a disabled driver can cost anywhere from $900 to $1,500 per year
  • Many companies have specific agents who offer help to disabled drivers and their families
  • If you are driven around by a caregiver, that individual needs to be added onto your car insurance plan

A minority of people require disability car insurance. Disabled individuals can get a comprehensive plan that suits their individual needs from countless insurance companies.

The average person does not have a problem with disabled drivers on the road.

Many trust the driver’s vehicle has equipment that makes it possible to be a capable and responsible driver. The auto industry makes it possible for disabled drivers with its latest advances in car manufacturing.

Discover disability car insurance rates for FREE with our quote tool!

How Companies View Disability Modifications

AdobeStock_59308708-1600x1600

Insurance companies question the inclusion of modifications in vehicles.

Most companies require proof of the modification made to the vehicle. They then send certification of the disclosure in the event of a claim filing.

Many young people modify their vehicles with changes that fall below safety standards. Consequently, insurers implement their modification policies with these experiences in mind.

Disability Car Insurance Policyholders

Candidates for policies have to disclose health restrictions in addition to vehicle modifications at the time they receive the quote. If policyholders file a claim, they will not be able to recover damages to the vehicle unless the modifications were declared up front.

If policyholders file a claim, they will not be able to recover damages to the vehicle unless the modifications were declared up front. Still, replacement parts may be factory standards as opposed to any customized purchases.

Every state requires a minimum amount of coverage. Disabled drivers must adhere to them as able-bodied drivers. Although there are differences, most states require an average of:

Although there are differences, most states require an average of:

  • $25,000 for bodily injury or property damage
  • $50,000 for total damages in one occurrence
  • $25,000 for collision

Anything over and above that amount is up to the prospective policyholder. Plans vary between companies as well.

It may not be a bad idea to make sure you have 24-hour road coverage and rental car replacement coverage.

Some disabled drivers have standard cars but sometimes have caregivers drive them around.

In these cases, insurance companies require the caregiver be added to the disability car insurance policy. They generally have to take the caregiver’s driving record into consideration.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Discrimination and Disability Car Insurance

Many companies are increasing premiums on disabled drivers. They consider disabled drivers to be high-risk.

Insurance companies justify premium increases for vehicle modifications and risk factors, and some are not above denying coverage altogether.

Loopholes in the law help carriers to justify their decisions to deny some disabled applicants.

Some organizations like the American Driving School offer courses to drivers with disabilities. There are several other organizations that are geared to help the disabled in their community with maintaining mobility.

How to Shop For Disability Car Insurance

When shopping for disability car insurance, it is recommended that you get enough coverage for your vehicle modifications in addition to state required minimums.

There are insurance carriers that specialize in helping to insure disabled drivers.

Other mainstream carriers also go the extra mile to accommodate disabled drivers. Online information is available if you want to research options before making a final decision on the policy of your choice.

Saving on Disability Car Insurance

Stacks of coins next to a calculator

Disability car insurance applicants are eligible for just as many savings as any other type of vehicle insurance applicant. Here is where you can boast your clean driving record and credit report.

Your zip code is going to have a huge impact, but the hand controls, accessibility ramp, and other accessories may add to your policy rather than subtract. To counter the increase, other safety and security features are taken into consideration.

Certain wheelchair accessible vehicles are manufactured for this purpose and therefore do not require extra modifications.

The Honda Odyssey and Dodge Caravan are examples of vehicles already equipped to accommodate wheelchair drivers and riders. With the advancement in technology, many new vans are being manufactured to assist disabled drivers.

What to Pay for Disability Car Insurance

Disability car insurance is, on average, slightly higher than a typical car insurance premium. Carriers charge higher premiums for those with disabilities who need modifications to their vehicles or who require blue badges.

A policy acquired by someone who falls in a high-risk category may be around $900 to $1,500 per year. Each circumstance is different, but anything over $1,500 for one driver and one vehicle should be scrutinized more carefully.

To get car insurance quotes on disability car insurance, enter your zip code below!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]