Someone with major sleep apnea might wonder whether their insurance rates will increase as a result of their lack of sleep. However, there is good news for people who suffer from sleep apnea. If you do suffer from sleep apnea, your insurance rates will not automatically increase. The only way your insurance rates will increase is if you happen to be a bad driver. If your sleep apnea happens to cause you to get into accidents on a regular basis, you will definitely have higher insurance rates. However, if you can keep your sleep apnea under control during the day, you will not be penalized from your insurance company for your improper sleep.

How Does Your Driving History Affect Your Insurance Rates?

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Your driving history can have a massive impact on your insurance rates. No matter whether you have sleep apnea or not, your history will affect your insurance rates. For this reason, it is extremely important to make sure that you are careful when you’re driving. Before you set foot in your vehicle, you need to be sure that you can drive safely. It has been said before, that driving tired is as bad as drunk driving, in some cases. Make sure that you know your limitations and if you feel like you will be unable to stay awake, get someone else to drive you. It is not worth risking your life or the lives of other people to drive somewhere, no matter where it is.

What Kind of an Insurance Policy Should I Get with Sleep Apnea?

If you have sleep apnea, the likelihood that you will get into an accident certainly increases. Insurance companies do not penalize you for this, but, you might want to consider getting additional insurance coverage. Adding something like collision coverage is not going to be a whole lot more on your insurance premium and it will cover you if you get into an accident. You don’t necessarily have to get into an accident with a vehicle to sustain massive damage. Drifting off to sleep in a side road hitting something other than a vehicle could certainly happen. You don’t necessarily have to get a massive amount of collision coverage, but having some is never a bad idea.

Will the Doctors Tell Insurance Companies about My Sleep Apnea?

Doctors

In most cases, doctors will not tell your insurance company that you have sleep apnea. So long as you are coherent the majority of the time, it is likely that your doctor is not going to see a reason to contact your insurance company. However, if you have a serious case of sleep apnea, which causes medical concern, your doctor might contact your insurance company. It is rare that sleep apnea ever gets this bad. Doctors do realize that this will affect your insurance rates. However, they can be held accountable the same as you can. If you are deemed that high risk by a doctor that they need to contact your insurance company, you may want to take a break from driving until you are deemed fit to drive again.

How Does Sleep Apnea Affect My Driving?

If you have sleep apnea, you may certainly have symptoms while you’re driving. Although this is unfortunate, if you realize the symptoms ahead of time, you can deal with them. In some cases, this might mean stopping to take a nap, in others, it might mean getting someone else to drive or having a coffee. Here are the main sleep apnea symptoms that you can experience:

  • Slower reaction time
  • Poor vision
  • Lacking judgement
  • Mood swings and feeling aggressive
  • Problems with short-term memory
  • Problems processing information e.g.reading signs

How Do I Drive Better When I Have Sleep Apnea?

There are several tactics that you can use in order to make driving with sleep apnea safer. One of the best tactics is to make sure that you do not have to drive late at night or in the early morning. It is in the early afternoon, and once you have been awake for a few hours, that you are likely to be the most awake. In the late afternoon, early morning, and at night, regular people like to sleep and have naps. If you have sleep apnea, you’ll be affected by this more than the average person. This is why you might want to consider driving during these hours whenever possible. Another tactic that some people like to use is listening to loud music or making their car temperature a little lower than normal. If the temperature is uncomfortable, you will be less likely to fall asleep.

Is There Any Technology That Can Help Me Drive with Sleep Apnea?

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There is actually technology available to help you drive with sleep apnea. When you are on a long trip, sometimes you need a little bit of extra stimulus to keep you alert. There are different apps that you can download to your smartphone that are designed to keep you alert. These apps will generally watch your eyes to see if you are falling asleep. Some of them will also randomly play noises to keep you from falling asleep. To use an app that watches your eyes, you simply have to have a smartphone stand. The stand holds your smartphone in place allowing it to watch your eyes to check for signs of being tired. Although it might be annoying to constantly listen to your smartphone making noises, at least you aren’t going to get into an accident.

To Conclude

Not sleeping well on a regular basis can make it difficult to drive. It is important to make sure that you are safe and ready to drive each and every time you set foot into your vehicle. Your life is in your own hands when you’re driving and so are the lives of everyone else on the road. If you don’t feel up to driving, you shouldn’t. Only drive when you know that you can drive safely. It is not worth getting into an accident if it can be avoided. If you do happen to get into an accident, your insurance premiums will only increase and that is something that you don’t want to happen.

Resources:

https://www.1300meteor.com.au/blog/5-apps-that-will-help-you-stay-awake-on-a-long-drive
https://www.autoinsurance.org/does-having-sleep-apnea-affect-your-car-insurance/
http://www.sleep-apnoea-trust.org/driving-and-sleep-apnoea/general-guidance-on-driving-and-sleep-apnoea/
http://drowsydriving.org/about/