Car Insurance For Disabled Persons

Updated On: 2023-04-27

Author : Team Policybachat

Disability car insurance is a type of insurance that covers the cost of replacing a vehicle with one that can accommodate the needs of a disabled person. There are many different types of disability insurance, such as those for people with mental or physical disabilities.

Some companies offer discounts on their disability car insurance policies for employees who have disabilities themselves. Here are some tips to get the best disability car insurance quote:

  • Ask your car insurance company about any discounts they offer, like if they offer any discounts for drivers with disabilities.
  • Check out quotes from multiple companies and compare rates based on location and coverage options.
  • Make sure you have enough coverage to cover all costs related to driving in case you are involved in an accident.

Car insurance for disabled drivers and other accessible vehicles can be obtained through a standard car insurance policy. Note that insurance rates are based on the driver’s age, location, driving history, etc., and on the vehicle.

Cars that cost more to repair or replace typically more expensive cars may have a higher insurance premium to account for the potential cost of fixing them after an accident. Car Insurance for Adaptive vehicles is usually more expensive because of their special car modifications, so your insurance rate might be higher.

What is a Disability and How does it Affect My Car Insurance?

A disability is a condition that prevents you from being able to do your regular daily activities without assistance. There are many different types of disabilities, and insurance companies need to understand the needs of their customers who have disabilities so they can offer them the best coverage.

If you want to know more about what your car insurance says about you, contact your insurance company and ask them. Insurance companies may charge disabled drivers and passengers higher premiums if:

  • Their medical condition is considered a safety risk.
  • There are increased costs to insure mobility-enhanced or disability-adapted vehicles.

5 Ways to Get the Best Disability Car Insurance Quote Today:

The first step to getting the best disability insurance quote is to know what your needs are. You should consider what you need coverage for and how much it will cost you.

  1. Get a free quote
  2. Compare quotes from different providers
  3. Ask your current provider for a better deal
  4. Look at the company’s financial history before buying
  5. Consider how much time you want to spend on claims processing.

Advantages of Car Insurance for Disabled People:

Car insurance for disabled people is a more affordable option than other types of car insurance. This is because the premiums are based on the driver's ability to drive and not their health.

  • Affordable premiums: Disabled drivers are charged lower rates than healthy drivers.
  • Coverage of medical expenses: Car insurance covers medical expenses incurred as a result of an accident. This can be very helpful in cases where car accidents result in injuries or death.
  • Money back guarantees: If you have to cancel your policy, you will get your money back if it was within 30 days before the end date.

Disadvantages of Car Insurance for Disabled People:

Car insurance for disabled people may not be worth the money. Some of the negative aspects of car insurance for disabled people include:

  • Car insurance is expensive and can be expensive to maintain.
  • Car insurance companies may only offer limited coverage options.
  • Car insurance companies may have stricter requirements when it comes to driving a vehicle with a disability.
Pro’s Con’s
Affordable Premiums Expensive to Maintain
Coverage of Medical Expenses Limited Coverage Options
Money Back Guarantee Precise Requirements

How Car Insurance for Disabled People Can Help You Save Money?

The cost of car insurance for disabled people varies depending on the state and company that you are getting a quote from. If you want to save money on your premium, it is important to know what kind of coverage your policy offers.

Car insurance companies offer two types of policies - personal injury and comprehensive coverage. Personal injury covers medical expenses in case of an accident while comprehensive coverage includes damage caused by theft, fire, or natural disasters like earthquakes or floods.

  • Car Insurance for Disabled People Can Save You Money, insurance claims, personal injury protection, and car accident.
  • Car Insurance for Disabled People Can Save You money by reimbursing you for certain expenses if they occur while driving your car. When the cost of an auto accident exceeds your current coverage amount, or if your vehicle is stolen and recovered, these expenses are covered.
  • The best thing to do if you have a physical disability that requires a wheelchair-accessible vehicle is to compare and shop around with at least two or three companies and consult with insurance representatives.

At the end of the day, it’s all about the money. And when you add in the cost of fuel and maintenance, it can be a lot. With car insurance for disabled people, you can save a lot on your monthly premiums.

How to Find Cheap Car Insurance for Disabled Drivers and Passengers?

It's always best to do your research before you pick which auto insurance plan is best for you. It's important to take thorough consideration of your individual needs and also the safety risk that could come along with your car as well as car modifications. 

So comparing quotes across insurance companies is always a critical first step. Disabled drivers and passengers may also consider the following options to find cheap car insurance:

  • Search for discounts: Car insurance companies typically offer multiple discount options for which you may be eligible. Examples include low mileage, senior driver, homeowners, and loyalty discounts.
  • Opt for telematics, or usage-based, insurance policy: Such policies use data transmitted from your car to charge premiums based on your driving habits and mileage.
  • Exclude yourself from the policy: If you are strictly a disabled passenger and do not plan to drive, you can exclude yourself from the policy and list another nominated driver as the named insured. Importantly, this will mean you technically do not have insurance coverage, but the policyholder may receive lower rates if they do not require medical approval to drive.

What should you ask your Insurer about Car Insurance for Disabled Veterans?

If you’re wondering about car insurance discounts for a handicapped vehicle, ask car insurance companies or search for who is providing them. When shopping and comparing insurance plans, here are some questions you can ask your online car insurance provider. By asking these questions upfront, you will have less trouble finding the right coverage as you shop and compare.

  • How can I decrease my insurance rates?
  • What do you consider a modification on a vehicle?
  • What are the rates for a handicapped driver with my specific disability?
  • Do you offer any disability discounts?
  • Do you offer comprehensive coverage for handicap equipment that rides outside my vehicle?

All of these questions will shed some light on your particular options with different companies. If the quote you receive is too high, you may want to consider another company.

Types of Coverages that Car Insurance for Adapted Vehicles:

The most common types of adapted vehicles are those that have been modified to accommodate a disability or medical condition. The changes can range from minor adjustments such as installing hand controls to major modifications like building an entire wheelchair-accessible van.

In addition to coverage for special vehicle modifications for disability, you may also want to purchase these policies based on your preference:

  • Personal liability coverage pays for injuries and property damage experienced by other drivers and passengers if you cause an accident.
  • Comprehensive coverage pays for damage to your vehicle caused by a non-collision event such as fire, vandalism, or theft.
  • Collision coverage pays for damage to your vehicle in an accident.
  • Medical payment or personal injury protection (PIP) insurance, depending on your state, covers the cost of injuries if you or the occupants of your vehicle suffer injuries in an accident.
  • Roadside assistance insurance provides repair services, towing, and pick-up after an accident or breakdown.
  • Underinsured and uninsured motorist coverage pays the cost of damage and injuries caused by a driver who has no or limited insurance.

Insurance rates vary dramatically by a company based on factors such as your geographic location, the type of vehicle you drive, its value, the theft rate for that make and model, your driving history, how many miles you tend to drive every year, your years of driving experience, age, gender, marital status, and credit history.

Additional coverage to consider:

In addition to coverage for your vehicle requirements, you should consider if you need any extra personal injury coverage. Personal injury protection, or PIP, can be helpful after an accident for providing medical after an accident. PIP covers the cost of:

  • Medical expenses
  • Surgical treatment
  • Ambulance fees
  • Medicationf
  • Rehabilitation fees
  • Lost wages from missed work.

This coverage will apply regardless of fault. Although it’s required in no-fault states, it might be a good idea if you’re worried about being unable to work after an accident or your car insurance coverage.

What are the Modifications that are indulged in Car insurance for wheelchair adapted vehicles?

It's not unusual for disabled drivers to have to pay more for their car insurance when they take modification measures. If you do have any modifications, don't worry. You still have other rights that you can invoke in the event of an insurance claim.

Some of the most widely seen modifications and equipment for disabled drivers and passengers are hand controls, automatic doors, parking brakes, amputee rings, keyless entry and ignition, and power seats. Siren detectors, steering devices, wheelchair ramps, adjustable seats, and restraints are also common.

Typical modifications to vehicles include:

  • Amputee rings
  • Automatic doors
  • Hand controls
  • Keyless entry and ignition
  • Parking brakes
  • Pedal and seat belt extensions
  • Power seats
  • Siren detectors
  • Special mirrors
  • Steering devices
  • Wheelchair ramps, adjustable seats, and restraints

How much is Disability Car Insurance?

Disability car insurance is much like any other insurance, in that how much you pay for your premium will depend on several factors. These include where you live, how old you are, and how long you’ve been driving. How your car is modified may also affect your insurance.

The best disability car insurance is provided by leading car insurance providers with good coverage at the best prices. Check the below table for the best car insurance companies that offer car insurance for disabled persons:-

Companies Benefits Cost of the Premium
Bajaj Allianz
  • Coverage for Accidents, temporary, and permanent disabilities
  • Coverage for comprehensive and theft
  • Roadside Assistance cover & Medical bills
Rs. 2593 Get a Quote
  • Coverage for Accidents, temporary, and permanent disabilities
  • Coverage for comprehensive and theft
Rs.3890 Get a Quote
  • Roadside Assistance cover & Medical bills
  • Coverage for Accidents, temporary, and permanent disabilities
  • Coverage for comprehensive and theft
Rs.2378 Get a Quote
  • Coverage for Accidents, temporary, and permanent disabilities
  • Coverage for comprehensive and theft
  • Roadside Assistance cover & Medical bills
Rs.3299 Get a Quote
  • Coverage for Accidents, temporary, and permanent disabilities
  • Coverage for comprehensive and theft
  • Medical bills
Rs. 2947 Get a Quote
Go Digit
  • Coverage for Accidents, temporary, and permanent disabilities
  • Roadside Assistance cover & Medical bills
  • Coverage for comprehensive and theft
Rs. 4290 Get a Quote


To be safe and keep your insurance rates low, keep an eye on the road, and avoid any distractions. Your vehicle will likely be registered to handle a wheelchair. Knowing the limits of your driving ability based on your disability while exercising due diligence and caution on the road will help you to keep a good driving record and keep your rates low.

Get peace of mind today. Compare car insurance quotes today to find who has the cheapest car insurance for side-entry wheelchair cars, and adaptive equipment that you are most comfortable with and one that you feel best protects your interests.

Frequently Asked Questions

Can Car Insurance Companies Charge Disabled Drivers More?

No, car insurance companies can’t raise the rates of disabled drivers solely because of their disability. However, drivers who modify their cars with items like pivoting chairs and retractable ramps will have to pay more for their insurance because of the added cost of a new car.

What Is The Best Car Insurance For Disabled Drivers?

Many car insurance companies provide special coverage for disabled drivers. They offer protection for modified features of your car, as well as a certain limit of liability. It’s not easy to find which companies offer the best coverage in this area, but some are worth looking into.

Are There Car Insurance Discounts For Disabled Drivers?

There aren’t car insurance discounts for disabled drivers, but that doesn’t mean that disabled drivers can’t use discounts to lower their car insurance costs. Drivers with a disability can save on their insurance by taking advantage of discounts for their age, driving habits, annual mileage, and membership in any affinity groups.

  • Age-based discounts
  • Affiliate discounts
  • Student discounts
  • Low mileage discounts.

Does Being Disabled Affect Car Insurance?

With the number of people who are becoming disabled rising, car insurance companies are introducing new policies to ensure that they can provide affordable rates to these people. Many insurance companies have already started providing policies for people with disabilities. Some of them offer the same coverage as their non-disabled counterparts, but with a lower premium rate. It is also being used by car insurance companies to create more accessible rates for disabled drivers and other consumers.

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