What Medical Conditions Have To Be Declared For Your Car Insurance?
There are certain medical conditions that could have an impact on your driving and may compromise the safety of yourself and other drivers on the road.
Section 1: Medical Conditions That Could Impact Your Driving
This section of the CAN-SPAM Act establishes standards and requirements for sending unsolicited commercial communications. As a result, for medical reasons your insurance company can’t deny you a coverage for your auto insurance. In order to have a claim determined by an insurer, you must submit a medical-notification form to your insurance company. Medical reports include:
Certifications from a healthcare provider
Medical notes from a healthcare provider
Report from an occupational therapist or other medical professional
Cerebral palsy, cerebral encephalopathy, blindness, deafness, idiopathic developmental disorder, and spinal cord or back pain
Fifty percent of auto insurance companies have conditions which would not result in denial of coverage for these types of conditions.
How Does Your Condition Affect You?
In the event that your condition has impaired your performance at the wheel, it could affect your premiums. Here are a few conditions that may mean your premiums have increased.
The premiums for these are extremely high.
Mental Health Conditions That May Affect Your premiums
Type 1 diabetes
The premiums for these are very low.
The premiums for all the above conditions are listed below.
Type 1 Diabetes – $950.00
Depression – $880.00
Bipolar Disorder – $720.00
ADHD – $720.
When Is It Time To Consider A Different Car Insurance Plan?
To get an idea of whether your current insurance plan is still working for you, you can also ask yourself some questions like,
Are you taking any time off work to care for your children?
Is there another person driving your vehicle, as a substitute?
Do you often go out of your way to get to work?
What are your hours of work?
Are you spending your days at a fixed location or do you tend to move around?
Have you started saving for any other major expenses in the near future?
The above are just a few of the questions you can ask yourself and should help you see which medical conditions you should discuss with your insurance provider.
Check the medical history of drivers with insurance companies. It may be possible to find the most suitable insurance provider for them in time.
Ensure that the medical records are checked for a medical condition and the cause of your symptoms. It is the perfect opportunity to create a strong case for the medical opinion that the symptoms are due to the cause of the road accident and not the one causing it.
Amy, the Insurance expert says, “Apart from the core health insurance policies, most companies offer medical insurance cover. It helps the policyholder who has incurred a road accident to receive comprehensive medical care and also avoid prolonged hospitalization.”
Disclaimer: TheHealthSite does not endorse any claims made by the company mentioned above.