Here's a dilemma - you are obliged to tell your insurer of any changes to your circumstances, even if not in the policy (concept of utmost good faith) and not to do so could invalidate it - but how good is your faith in the system and the understanding of mental health conditions? Don't you just fear your premiums will go through the roof and that your condition won't be understood? Have you disclosed your condition?
2007-10-24 05:16:40 · 8 answers · asked by Miss Behavin 5 in Health ➔ Mental Health
I have bipolar disorder type II and I have not told my car insurer. I never saw anything on my application asking about mental illness. Perhaps this varies by state? Either way, I believe there is a certain social stigma that sometimes goes hand-in-hand with mental illness, and there is a possibility the insurance company would consider bipolar disorder some sort of extra liability. Personally speaking, if my insurer asked me, I would probably lie.
2007-10-24 05:47:52 · answer #1 · answered by Liz F 2 · 1⤊ 0⤋
The others are correct. I am a bipolar person and I have disclosed to my health insurer but not my car insurer. Don't worry - you are not in breach of faith and are not doing anything wrong. You do not have to tell your car insurer.
(Interesting issue though cause one symptom of full blown mania can be reckless driving.)
2007-10-24 12:46:13 · answer #2 · answered by Sarah M 4 · 0⤊ 0⤋
You could probably tell them if you wanted to. It's not likely that they will raise your premiums at all. Generally, mental conditions only affect health insurance, or rarely, life insurance.
You should be fine.
2007-10-24 12:21:48 · answer #3 · answered by jsprplc2006 4 · 0⤊ 1⤋
I don't think it's a question of disclosing it to your insurer. You're supposed to talk to DVLA who can then ask for an assessment of whether or not you're fit to drive - some of us with bipolar disorder aren't (I'm one of them). If you're fit to drive then you don't have to disclose it.
2007-10-24 16:27:07 · answer #4 · answered by CW 3 · 0⤊ 0⤋
You do not have to tell your car insurance provider that you have bipolar disorder. It's none of their business.
2007-10-24 12:19:12 · answer #5 · answered by letterstoheather 7 · 1⤊ 1⤋
They don't take bipolar into consideration.
2007-10-24 12:22:46 · answer #6 · answered by ? 4 · 2⤊ 0⤋
Bi-polar is Dis-order, often l-o-n-g-SUFFERING...
Depression is Oppression, oft l-o-n-g-SUFFERING...
Natural cure: flax seed oil capsules (no side effects)
Spiritual cure: flush law as dung for grace is sufficient
2007-10-24 12:32:28 · answer #7 · answered by Anonymous · 0⤊ 2⤋
no i have not
2007-10-24 13:21:49 · answer #8 · answered by b 4 · 0⤊ 0⤋