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Just because you have a disability doesn’t mean insurance companies can discriminate against you. There are many drivers on the road who have disabilities. A disability doesn’t always affect how a person is able to drive a vehicle. When insurance companies insure a driver, they need to consider the safety of other drivers. However, generally, if a disabled person is able to get a driver’s license, they can probably drive safely. They are not likely that high of a risk to insure to drive on the road. In Canada, it isn’t all that easy to get a driver’s license, even if you don’t have a disability. Here are the things that you need to know if you have a disability and are looking to get car insurance:

Do I Need Special Insurance Coverage for a Disability?


You do not necessarily need special insurance coverage if you have a disability. However, depending on the severity of your disability, you may want to get more of a specific type of insurance. Something such as more medical payment coverage might help you recover from an accident when it occurs. It really depends on the disability that you have and how it impacts everyday activities for you. If you feel as though you will need extra money to recover if an accident were to occur, it can definitely be worth paying for a little bit more insurance coverage if you have a disability.

How Will Insurance Companies Determine Insurance Rates for A Driver Who Has a Disability?

When an insurance company decides your insurance rates, they need to decide how dangerous you are going to be on the road. The more risk you pose of getting into an accident, the higher you can expect your insurance premiums to cost. When you take any medication for your disability, your insurance company will also consider the side effects of those medications. They will determine how these side effects might affect your driving skills when determining your rates. You might receive a higher insurance rate than an average driver if you have a disability. However, it does really depend on what disability you have and how it affects your risk of getting into an accident.

Do You Have To Disclose Your Disability to an Insurance Company?

It is definitely best to inform your insurance company about any disability that you have. You do not want to get into an accident and be denied a claim as a result of having a disability that you didn’t tell your insurance company about. This is especially the case if your disability is something that could cause you to get into an accident. Something like having seizures could definitely increase your insurance premium. If you got into an accident without telling your insurance company about something like having seizures, and the disability causes you to get into an accident, you could be denied an insurance claim.

How Much Coverage Should I Get for My Vehicle When I Have a Disability?

The amount of coverage that you should get for your vehicle when you have a disability depends on what your vehicle is like. If you have equipment in your vehicle that helps with your disability, you might want to get more insurance. More insurance can help to cover the cost of that equipment in the event an accident occurs. Something like having wheelchair lifts, hand controls, etc. can cost a lot of money. Usually, a regular insurance policy is not going to give you enough money to cover the costs of repairing this type of equipment. In some cases, it is definitely worth paying a little bit more for insurance to make sure you won’t be in financial trouble if you get into an accident.

Are There Any Benefits for Disabled Drivers?


Unfortunately, there are not a lot of benefits to being a disabled driver. The only real benefit that disabled drivers have is the ability to park in a handicapped parking space. This will allow you to be able to walk shorter distances to stores in order to buy products. Other than that, having a disability is likely going to raise a few questions from your insurance company. In some cases, your insurance company might even want to contact your doctor to make sure that you are a fit and able driver. However, so long as your doctor agrees that you are suitable for driving, you should expect to receive fair insurance premiums.

Does Insurance Cost More for Disabled Drivers?


In most cases, yes, insurance does cost more for disabled drivers. However, this usually is not due to the disability that disabled drivers carry. Unless your disability causes you to be at a higher risk of getting into an accident, you should expect to pay the same premiums as other people. However, disabled drivers often get more insurance coverage than the average person. It is due to this reason alone, that disabled drivers usually have higher insurance costs. Usually, disabled drivers will want to make sure that they can cover the cost of things like rehabilitation after an accident and the cost of vehicle equipment. The more serious the disability is, the more time it might take you to recover from an accident. Due to this reason, paying for higher insurance premiums might not be such a bad idea.

To Conclude

You should make sure that you tell your insurance company about your disability. However, you shouldn’t let them take advantage of you for having it. If you have a regular driver’s license, it is likely that you are capable of driving properly on the road. You might have to pay a bit of a higher insurance premium to do so, but you shouldn’t be denied coverage altogether. Remember, insurance companies must take risks into account when determining your insurance premium. Insurance companies are not allowed to discriminate based on you having a disability. However, if it is determined that your disability causes a higher risk of you getting into an accident, you should expect to pay a little more for your insurance.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.