Car insurance for disabled drivers

If you, your passengers, or even a pedestrian need medical care after a collision, this coverage helps with medical expenses, rehabilitation, and lost income, no matter who was at fault.

If you're hit by a driver without insurance, an underinsured driver, or involved in a hit-and-run, this coverage helps protect you and your passengers.

If you're in an accident that wasn’t your fault, this coverage helps cover repair costs for your vehicle by going through your own insurer instead of dealing with the other driver's insurance.

If you're in an accident or hit an object like a pole or tree, collision coverage helps pay for repairs or replacement. Given the high cost of vehicle conversion for accessibility, this coverage can be very helpful.

Comprehensive coverage protects your vehicle against risks beyond collisions, such as theft, vandalism, fire, and weather damage. This is another optional coverage that can be very beneficial for drivers with disabilities.

Accident forgiveness helps protect your driving record and prevent your insurance premiums from increasing if you have an at-fault accident claim.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.