The average American spends thousands a year on car insurance, but those costs should never be dependent on a physical or mental disability. If you are medically able to drive, disability car insurance should be offered to you at fair rates.

If you’ve experienced insurance rate increases as a result of a disability, this article has the resources you need to fight discrimination and get the coverage you deserve.

Your Rights When Buying Auto Insurance

Thanks to the landmark Americans with Disabilities Act (ADA), it is illegal for auto insurance companies to charge higher rates based on a physical or mental disability. At most, your insurer may request that a doctor verify your driving capabilities. Apart from that, as long as you meet insurance disclosure requirements by being up front about any disabilities, insurance companies are legally obligated to make fair rates available to you.

What You Need to Know About Insurance Coverage

Despite legal loopholes, insurance for disabled drivers can and should cover any special vehicle modifications fairly and affordably. While adaptive equipment like wheelchair ramps, custom hand controls, siren detectors, amputee rings, or swivel chairs are expensive to insure, overall premiums shouldn’t be exorbitant.

There are a few types of coverage you should look for when searching for a policy to accommodate your disability.

  • Adaption Coverage: Covers damages to your vehicle modifications, including any after-market adaptions.
  • Mobility Insurance: Will reimburse the cost of any temporary transportation if your specialized vehicle is being repaired or replaced.
  • Equipment Insurance: Covers the specialized equipment that is not attached to your car but travels with you, like a wheelchair or motorized scooter.

As long as modifications are disclosed, regular insurance policies can provide these necessary coverages.  Modifications that need to be disclosed include:

  • Pedal extenders
  • Wheelchair adjustable seats
  • Amputee rings
  • Push-pull hand controls
  • Siren detectors for the hearing impaired

Insurance agents realize that mobility-enhancing modifications add greatly to the value of your vehicle. They work to provide proper coverage for all mobility-adapted cars so that your equipment can be repaired or replaced in the event of an accident.

If you are in need of a vehicle modification, we recommend looking at the resources provided by the Adaptive Driving Alliance to help assist you in your mobility product decisions.

The Loopholes

Though it’s illegal for insurance companies to use a disability as a factor in determining your auto insurance rates, many insurers use legal loopholes to raise premiums for drivers with disabilities.

As Disabled World explains, some insurance companies may try to exploit laws designed to regulate street racing modifications to refuse coverage or increase the premiums for mobility-adapted vehicles. Companies may also cite disabilities as risk-raising factors and try to issue rate hikes as a result.

Learn More About Disability Rights in Your State

As you’re looking for auto coverage, make sure you know your rights. If you have been taken advantage of by an insurance company, contact your state disability advocate at the National Disability Rights Network (NDRN) to find out what legal recourse you have. For more information, you can also contact a Department of Justice ADA Information Specialist at the ADA Information Line at (800) 514-0301 or (800) 514-0383.

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