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How does epilepsy affect car insurance?

Important facts to know...
  • How epilepsy will affect car insurance depends on the severity of the condition
  • Many insurance companies won’t insure someone with epilepsy
  • Your driving history will be very useful to inform insurance companies of the risk to insure you

If you have epilepsy, it’s important to know how it’s going to affect car insurance. The insurance companies will look at the severity of your condition and your driving history to determine whether they will insure you and what the cost of your premiums will be.

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Determining Your Medical Limitations

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Everyone’s epilepsy is slightly different. Seizures can vary in the following ways:

Many people wonder how insurance companies would find out that they have epilepsy.

Unfortunately, it’s not something that you can keep a secret. Doctors have a legal and ethical requirement to report medical conditions to the DMV.

Once the information is logged on your driving record, it will then be accessible to insurance companies.

Symptoms that could occur during or afterward include:

  • Automatisms
  • Staring
  • Eyes fluttering
  • Confusion
  • Deep sleep
  • Rigidity and/or jerking

One person might experience major seizures that leave them in a semi-catatonic state afterward. Other people might experience such a light seizure that they remain alert and capable of driving the entire time.

A seizure could have a major impact on one’s ability to drive and stay safe on the road. Insurance companies will look at the medical aspect of your condition to determine how risky you are to insure.

Your doctor might have some limitations in place for your driving, such as different times you can be on the road or only being able to drive when there is another licensed driver in the car with you.

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Reviewing Your Driving History

Insurance companies will review your driving history. When you have epilepsy, this might speak to a company more than anything else. The presence of accidents, particularly if they are related to a seizure, could end up costing you more for coverage.

If you have a clean driving record, insurance companies might be willing to insure you and keep your premiums affordable. The moment you enter your driver’s license number into an online quote tool, insurance companies will be able to get your driving history.

Obtaining Coverage with Epilepsy

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When you try to obtain coverage with epilepsy, state laws and regulations are going to be a factor.

States might dictate such things as if you will be able to maintain a license when you have epilepsy. If you have had a seizure, you might not be able to drive until you go a certain period of time without a seizure. The time you have to go without a seizure varies by state.

Depending upon state law, it might be a good idea to get a doctor’s statement to submit to the insurance company. This will allow you to show such things as:

  • The severity of seizures
  • How often seizures occur
  • The warning time before a seizure occurs
  • If seizures only occur while sleeping

By obtaining a statement from your doctor, you essentially ask the insurance company to review your case individually. It might be what’s necessary to gain driving privileges and obtain affordable insurance premiums.

Your epilepsy will affect car insurance in one way or another. It’s important to work with your doctor to get your condition under control as much as possible.

From there, you need to look at state laws to determine how insurance companies are able to use your condition to determine whether they will insure you — and what it will cost you to have the needed coverage.

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