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Auto Insurance for Cancer Patients (How to Save)

Things to Remember

  • Just because you are undergoing treatment for cancer does not mean an insurer can deny you coverage.
  • The Americans with Disabilities Act prevents insurers from denying individuals coverage based solely on a health condition.
  • Your doctor may tell the DMV you are not fit to be behind the wheel.

Does having cancer affect auto insurance? In truth, not really, but there is a grey line. You’re probably wondering about money. Does car insurance pay for medical bills?

Keep reading to learn more. But, first, make sure to type your ZIP code into our free and helpful tool above to find affordable auto insurance for cancer patients in your area.

Table of Contents

How do medical conditions affect auto insurance rates?

Insurers are all about risk. If your driving ability is diminished by a medical condition, you can bet your insurer will take that into account.

Does this mean that an insurer can just drop you from your auto insurance plan if you receive a cancer diagnosis? No.

The worst-case scenario when it comes to losing your insurance is if your doctor notifies the DMV that you are not fit to be behind the wheel. You can dispute your doctor’s assessment through an appeal, but throughout this time, you’ll have a suspended license.

How does my suspended license affect auto insurance? If your license is suspended long enough, your insurer has a valid reason to drop you.

If feel you are able to drive, it’s important you appeal your doctor’s diagnosis. This is because the DMV is not just going to take your word for it, they’re going to need to rely on the judgment of your doctor.

Dropping a Cancer Patient’s Coverage

You may be thinking, “An insurer dropping me because I have cancer? That’s not right.”  You would be correct in thinking this. An insurer dropping you solely because you have been diagnosed with a medical condition, i.e. cancer, would be unethical.

The Americans with Disabilities Act (ADA) prohibits an insurer, amongst others, from discriminating against people with disabilities. This means an insurer cannot charge higher premiums (or drop you) solely because you have certain medical conditions.

This is where that aforementioned doctor’s recommendation comes into play.

Before we move into what conditions must be disclosed, we need to clarify something. Age, gender, and driving record are all things insurers analyze in-depth.

To deny someone coverage for one of these reasons would not be discrimination because these factors are not directly relevant to any medical condition.

What medical conditions have to be declared for auto insurance?

No matter your situation, you should be honest and transparent with your insurer. Tell them about anything that affects your mental, cognitive, or physical well-being.

Is it entirely their business? You may think not, but it is important to realize that not being transparent can risk your current coverage.

Let’s take a look at a quick list of medical conditions you should disclose to your insurer:

  • Arthritis
  • Chronic Mental Health Issues
  • Diabetes
  • Heart Conditions
  • Epilepsy
  • Parkinson’s Disease
  • Dementia
  • Stroke
  • Vision Issues i.e. Cataracts
  • Sleep Apnea

If you have any of these aforementioned conditions, not to mention cancer, err on the side of caution and inform your insurer as much.

Get a start on finding affordable auto insurance for cancer patients in your area by typing your ZIP code into our free and helpful tool below.

References:

  1. https://www.ada.gov/

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