Will Diabetes Affect My Car Insurance?

  1. 4470 POINTS
    Brandon Roberts
    Owner, The Insurance Pro Blog,
    No, auto insurers do not underwrite or price their products based on health conditions of a policy holder so having diabetes will not affect the pricing of your policy nor your ability to get coverage.
    Answered on September 1, 2013
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  2. 225 POINTS
    James Golden
    Most companies will have a medical question referring to it or similar. Had a customer black out due to low blood sugar and carrier was refusing to pay due to disclosure failure. Had another customer who was blind in one eye. That carrier did not have a medical question about that (only diabetes). customer never had a wreck with the good eye......can not say the same for the other. He said it was not his fault he did not see it coming (did not turn his neck far around enough to look---carrier did pay. Usually if the car is adapted for a disability no problem. They have not figured out how to adapt for blackouts for high or low sugar.Did have one customer upset that a carrier would not insure her, she explained that she only had seizures at night and saw no reason why she could not drive in the daytime.
    Answered on September 4, 2013
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