People who have developed certain physical or mental health disorders may find themselves receiving relatively high quotes for automotive insurance. It’s standard practice for insurance companies to ask about health issues that have some relation to driving, and the companies respond with higher rates depending on certain circumstances. Someone shopping for auto insurance in Wichita KS may be tempted not to disclose the health information, but it’s essential to be honest. If the person ever does cause an accident or needs coverage for a collision that wasn’t his or her fault, the insurer can deny the claim altogether if it discovers the policyholder had lied on the application.
By law, automotive insurance companies are prohibited from charging higher rates to people because of a disability. That is considered discrimination. However, they may charge more for collision or comprehensive coverage if the vehicle has the expensive adaptive equipment. For instance, auto insurance in Wichita KS may cost more if the vehicle is a van or an SUV with a wheelchair ramp. This type of vehicle is pricier to replace than a similar model without this feature.
Interestingly, car insurance carriers can increase standard rates for people with certain types of jobs, and that is not considered discrimination. Underwriters often view some occupations as higher risk factors for accidents because the drivers may be abnormally fatigued on a regular basis. Emergency room medical doctors and trauma surgeons, for instance, may receive higher quotes than someone with a desk job. The same is true for power plant operators who commonly work long shifts in a condensed work week.
An independent agent such as Andy Woodward Insurance provides quotes from a variety of insurance companies. That way, prospective customers have numerous options. They can evaluate the range of factors that characterize their personal information and needs and decide which policy would be the best fit. In addition to health disorders, insurers look at personal factors such as age, marital status, miles required for a commute, and whether the car is normally parked off the street overnight. Of course, the person’s driving record also is directly connected with the quotes he or she receives. Please visit the website Domain for details on this particular organization.
