I am physically disabled, but have a car that is customized for me. Will the auto insurance company insure me?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Most auto insurance companies will write your insurance since you have a valid license and have a car that you can handle and/or control safely. You may need additional documentation to verify your ability to drive. They may also request a letter from your physician. It is always best to be up front with your agent or company and tell them of your disability and that your car is customized for your safe operation. If the car insurance carrier is taking a hard line position on insurability, speak up and inquire as to the reason why they cannot write your insurance.

Take into account the value of the customizing (wheelchair lifts or ramps, power chairs) of the car when you are insuring the car. The standard settlement for a car coming from a factory would not be sufficient to repair or replace the specialized conversion equipment in your car in the event of a major accident. Insurance companies have special endorsements (also called riders) to cover the cost of any conversion or additions. Premiums are higher, but are well worth the additional cost to know that you are properly insured and won’t face a financial loss.

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