Finding The Right Car Insurance If You Or A Family Member Has A Disability

Having a disability does not stop you from buying car insurance. Insurers generally look at your driving record, vehicle, location and the coverage you choose. If you drive a vehicle with modifications, or your vehicle is used to transport someone with a disability, there are a few extra points worth discussing with the insurer.

The most important step is to compare quotes and ask clear questions about what each policy covers.

Covering Adaptive Equipment And Vehicle Modifications

Hand controls, wheelchair lifts, ramps, swivel seats and other adaptive equipment can be costly to repair or replace. A standard policy may not automatically include them, so ask whether the equipment is covered and whether you need an added endorsement or higher limits.

Tell the insurer about every modification when you apply. Leaving something out could cause problems when you make a claim.