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    kohat's Avatar
    kohat Posts: 1, Reputation: 1
    New Member
     
    #1

    Mar 12, 2008, 06:05 AM
    Car insurance for the ill
    Does car insurance increase when you have an illness like angina and diabetes:confused:
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
     
    #2

    Mar 12, 2008, 06:36 AM
    You are not required to report such things to your insurer. Its also unlikely they would rate your rates because of those problems. Unless your medical issues impair your ability to drive, they shouldn't be a concern.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
    Uber Member
     
    #3

    Apr 3, 2008, 07:19 AM
    Quote Originally Posted by ScottGem
    You are not required to report such things to your insurer. Its also unlikely they would rate your rates because of those problems. Unless your medical issues impair your ability to drive, they shouldn't be a concern.

    One additional thing from experience - if you have a medical condition with COULD be a threat to the general public (for example, UNCONTROLLED Diabetes) and you are in an accident your insurance company could disallow because somewhere in the teeny, tiny print is a requirement that they be informed of (I'm trying to remember the wording) conditions which could be an impairment.

    I investigated an accident involving a diabetic (struck a pedestrian and two cars) and the insurance company disallowed - quite a Court battle but the insurance company was found responsible.

    I think in this case you have to speak with your agent - he/she doesn't have to "report" it, he/she should just give you an opinion.

    I wouldn't take a chance - but, hey, I see a dozen accidents a week so I'm a little spooked.

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