How To Get Auto Insurance With Cancer (2023)
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.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Nov 27, 2023
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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: Nov 27, 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.
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.
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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.
Frequently Asked Questions
Can I get auto insurance if I have cancer?
Yes, you can generally obtain auto insurance even if you have cancer. Having a pre-existing medical condition like cancer does not automatically disqualify you from obtaining auto insurance coverage. Insurance providers primarily assess risk based on driving history, vehicle information, and other factors related to driving, rather than medical conditions.
Will having cancer affect my auto insurance rates?
In most cases, having cancer will not directly impact your auto insurance rates. Auto insurance rates are primarily determined by factors such as your driving record, vehicle type, location, and coverage options. However, if your cancer or its treatment affects your ability to drive safely, it may indirectly impact your rates.
Do I need to disclose my cancer diagnosis when applying for auto insurance?
Typically, you are not required to disclose your cancer diagnosis when applying for auto insurance. Auto insurance applications typically focus on information related to driving history, vehicle details, and other driving-related factors. However, it’s important to carefully review the application and answer truthfully to the best of your knowledge.
Can my auto insurance be canceled or denied if I have cancer?
Generally, auto insurance cannot be canceled or denied solely based on a cancer diagnosis. Insurance providers are regulated by laws that prevent discrimination based on medical conditions. However, if your cancer or its treatment affects your ability to drive safely, an insurance provider may reassess your risk and potentially adjust your coverage or rates accordingly.
Are there any specific considerations or options for individuals with cancer seeking auto insurance?
While there are no specific auto insurance options tailored exclusively for individuals with cancer, there are general considerations to keep in mind. It’s important to provide accurate information about your driving abilities and any modifications or adaptations you may have made to your vehicle to accommodate your needs. Additionally, you may want to explore coverage options such as medical payments coverage or personal injury protection to help with potential medical expenses resulting from an accident.
Can having a disability or undergoing cancer treatment affect my eligibility for auto insurance?
Having a disability or undergoing cancer treatment should not automatically disqualify you from obtaining auto insurance. Insurance providers primarily focus on factors related to driving, such as driving history and vehicle information. However, if your disability or treatment affects your ability to drive safely, it may be necessary to provide additional information or take necessary precautions to ensure your insurance coverage remains valid.
What steps can I take to find the best auto insurance coverage with cancer?
To find the best auto insurance coverage with cancer, it’s recommended to research and obtain quotes from multiple insurance providers. Compare coverage options, premiums, and customer reviews. Additionally, consider consulting with insurance agents who can help you navigate the process and find the most suitable coverage for your needs while taking into account any specific circumstances related to your cancer diagnosis.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
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.