Does having a pacemaker affect your auto insurance?
A pacemaker won't affect your auto insurance rates unless your driving record suffers. It costs $137.75/mo more on average for a high-risk driver to find coverage.
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UPDATED: Apr 23, 2020
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- Pacemakers could cause a problem with getting insured based upon the level of health problems a person has
- Doctors would need to submit medical documentation to the DMV
- Insurance companies look at driving history to determine the cost of insurance premiums
- Having more coverage than what the state requires is often beneficial to avoid out-of-pocket expenses
Over one million people have pacemakers. The presence of a pacemaker alone does not affect your car insurance.
However, your driving history and health problems associated with having a pacemaker might. It’s important to look at your medical situation and determine the best insurance coverage to have so that you are better protected.
Compare car insurance quotes to see how much you could save on the coverage you need. Use our free quote tool to compare rates today.
What are the problems associated with a pacemaker?
A pacemaker is a small medical device placed either in the chest or the abdomen in order to control heart rhythms so that they are not abnormal.
If your heart beats too fast or too slow or you have a block within the electrical pathways of your heart, your doctor might recommend a pacemaker to be implanted.
According to the American Heart Association, most people lead completely normal lives with pacemakers. However, if you don’t go for your regular check-ups, you can experience problems.
Some of the problems associated with pacemakers include:
- Heart failure
If you have experienced any kind of complication or symptom, you need to address the problems with the doctor. There may be a problem with the settings, the battery within the pacemaker, or something else.
The various symptoms can lead to accidents on the road.
You might not get enough warning in order to pull off the road safely, which could cause you to fall asleep at the wheel or become unaware of your surroundings.
If you are involved in an accident which is related to your pacemaker, it might make it difficult for you to find insurance in the future. It’s up to you to manage your health at all times.
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Have you had recent medical problems?
It’s important to take a good look at any recent medical problems that you have encountered.
If at any time your doctor feels as though you are not capable of driving, he or she might submit medical documentation to the DMV.
This documentation could take away your driving privileges or create various driving limitations. Based upon any medical complications you have experienced, your doctor might decide it’s best if you follow any or all of the following restrictions:
- only drive during the day
- only drive with another licensed driver
- only drive for short distances.
As your medical problems get under control, your doctor might then update the medical documentation to the DMV.
This update could reinstate driving privileges or remove some of the driving limitations. Many of these restrictions will not go away until the doctor has provided the necessary documentation to the DMV.
As long as documentation is in place, insurance companies will have access to this information.
If you have had recent medical problems, it might be difficult for you to find auto coverage. You might need to look for a policy from a company that specializes in ensuring “high-risk” drivers.
You might also want to look at your state and determine if there are assigned risk pools that you can join.
This assigned risk pool will allow you to get the coverage you need so that you can remain compliant with all state laws. It will also make it easier for you to live your life and drive yourself.
What does your driving history look like?
Most insurance companies look at your driving history more than anything else. This means that you have had a large number of accidents, you are identified as high risk. As such, your insurance premiums are going to be higher than what other drivers might pay.
If you have a pacemaker but you have been a safe driver, you might not have any problem obtaining affordable insurance premiums.
It’s so important to be a safe driver. Many insurance companies will calculate the cost of insurance premiums using similar factors.
However, some companies might place more emphasis on safe driving than others. It’s why you need to take the time to compare quotes from multiple insurance companies. Otherwise, you could be spending more than what is necessary to gain coverage within your state.
Identifying the Auto Insurance Coverage You Should Have
You need to spend the time to identify the auto insurance coverage to have. Your state will determine the levels of liability you need to have within your policy.
When you have a pacemaker, you need to understand the risks that you can encounter. If for any reason your pacemaker fails, it could lead to dizziness, extreme fatigue, or even a heart attack.
If you are behind the wheel when any of this happens, you could get into an accident with another vehicle or crash into a stationary object.
This is why it’s best to get coverage in these areas:
- Bodily Injury – Although this is included within a standard policy, you will want to consider increasing the levels so that you have a greater level of protection.
- Property Damage – This, too, is also included in a standard policy. However, increasing the levels will minimize out-of-pocket expenses.
- Collision – This is the coverage that is needed to protect you if you collide with things other than another vehicle, such as guardrails or a telephone pole.
- Medical Payments – This coverage will take care of medical payments and potentially lost wages in the event of serious injuries.
All of this coverage can be added to your policy. It’s what will protect you on a higher level if you are involved in an accident. You will want to file a claim so that you minimize what you pay out-of-pocket.
The only thing you would be responsible for if you have sufficient coverage is the deductible.
Having a pacemaker does not mean that you cannot be a safe driver. While it does involve a slightly higher risk, your driving history will be one of the best ways to prove to an insurance company that you are not a danger on the road.
Take the time to get enough coverage so that you are protected. You should also get quotes from multiple insurance companies so that you can get an affordable premium.
Enter your zip code into our free rate tool below to compare quotes from several insurance companies side-by-side.