Auto Insurance for Cancer Patients (How to Save)
An insurer cannot deny you coverage just because you have a cancer diagnosis. With that being said, you should inform your insurer of any medical conditions you have that may affect your driving. Keep in mind that your doctor, also, can inform the DMV of any condition you have that could impede your driving ability. Auto insurance for cancer patients should look similar to those for anyone else.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Jan 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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 the average auto insurance cost per month.
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 your suspended license affect auto insurance? If your license is suspended long enough, your insurer has a valid reason to drop you.
If you feel you can drive, it’s important you appeal to 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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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. Factors that affect auto insurance rates include age, gender, and driving record.
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?
Does a pacemaker affect auto insurance? Or do other physical issues matter to insurers? 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, 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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.