Driving with a disability can alter your auto insurance needs. One thing it cannot alter, though, is the price of your auto insurance. According to the Americans with Disabilities Act, it’s illegal for an auto insurance company to charge someone with a disability more for auto insurance than someone else without a disability.
The Americans with Disabilities Act goes even further by prohibiting auto insurance companies from charging a disabled person more for auto insurance even if their disability makes them a higher risk. As long as a disabled person is legally able to drive, even if they have restrictions on their license, it’s illegal to charge them more for their insurance.
On the other side of that coin is that most insurance companies don’t provide discounts for disabled people, either.
While a disabled person will not have to pay more for their auto insurance policy than someone who is not, they may need to buy extra insurance if their vehicle has been modified in some way to accommodate their disability. Vehicle lifts, wheelchair-accessible seating, hand controls, and other steering wheel attachments are quite common among disabled drivers.
Depending on what type of car insurance one buys, the typical policy may not be enough to cover expensive customization options that drivers with disabilities often have. However, auto insurance companies make it relatively easy to add additional protection to one’s plans to accommodate them.
To cover custom equipment, you must have comprehensive and collision coverage on your vehicle. Liability coverage will do nothing for damaged equipment in your vehicle. When custom equipment costs less than $1,000 or so, it’s up to the policyholder to decide whether or not they want to get extra insurance that covers custom equipment. If it’s more than that, it might be worthwhile getting additional coverage.