Does a person who is diagnosed with epilepsy automatically go on high risk auto insurance?

Question

My nephew was diagnosed at age 12, but is on medication. His father was diagnosed at age 38, and is now put on high risk insurance, even though he can't drive for at least 6 months. Will my nephew have to be on high risk insurance even if he is seizure free until he is 16? Thanks!!

Answer 1

My husband has epilepsy and we have never had a problem with insurance. I don't know how severe your Brother's is, but we lived in Colorado and my hubby had to be seizure free for one year to get his license. He got it when he was 18. He had about 2 seizures a year after that. He never had a problem with insurance, it was his license we were concerned about. But, we have lived in three states and none of the insurances have only been asked for medical info once. We have regular insurance. Now, as far as insurance goes.... as long as it isn't reported to the DMV you should be fine. I know that in CO the emergency room can make reports to the DMV advising your license be suspended until you can prove you are seizure free.... but my hubby was in the ER a couple times and they never reported it because he kept them under control. I think it sorta falls under the 'don't ask-don't tell' policy. I wouldn't say anything to the insurance unless they specifically ask. I think we were asked once, in NY, but the way they phrased the question we told them 'no'. For example, 'do you have any health concerns that could hinder your driving ability' - the answer was no because he only had seizures a couple times a yr and it was usually triggered by something, ie sugar free drinks or playing video games, my hubby doesnt drive for a couple days if he feels that he is 'groggy'. So in essence our answer would be 'no'. Other than that, as long as it isn't reported to the DMV, you are fine. I don't see an insurance company making the leap either to ask if his son has the same condition that he does. They probably wouldn't think to ask. Your brother probably has had a seizure while driving or it is serious enough that the DMV has been notified. As long as your nephew is seizure free, the insurance isn't going to know anything about it unless the DMV knows.

Basically, lol, you should be fine... 'don't ask-don't tell'. Good Luck and God Bless your family. I know that we are nervous for our kids to hit puberty as this is inherited and we won't know if they have it for a few years. The best of luck to you! I hope this helps!

Answer 2

1

Answer 3

I deal with one company that will not put you on high risk insurance as long as you get a physicians statement. This form is filled out by a physician who lists your condition, meds, and if you are in their opinion to operate a motor vehicle safely. I would check to see if a company like that is available to your family. (Erie is the company I deal with) If that doesnt work, more than likely he will be on high risk.

Answer 4

Probably will always be considered high risk, as he is a high risk. Don't let a family connection cloud your judgment about a medical condition. Best wishes.

Answer 5

There are many companies out there that will not neccessarily put him in a high risk category. They will require proof from his doctor and the decision will hinge on the type and severity of sezuire he has. My wife has simple partials and maintains consiousness. We don't get a rating because of it.

Answer 6

In many states, they're not allowed to drive period.

Answer 7

that sucks

Answer 8

No.