I have epilepsy, but it is controlled and I haven’t had an episode in 5 years. Can I still get insurance?

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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 15, 2021

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Each car insurance company applies its own set of underwriting rules in assessing whether to insure an individual. With respect to epilepsy, you may have to shop around for solid insurance protection with several companies before you can find broad coverage at affordable rates. The company will ask probing questions, as to the type of seizure, its severity, and the seizure free period, all of which are important variables that affect the cost of the policy for someone with seizures. You should provide the agent or company with documentation from your doctor confirming the management of the illness. They will also want to know the medication you take, to be sure it does not affect you adversely (sleepiness, effects on your vision, etc) (Buying car insurance while still having seizures or even side-effects from the medicine will most likely not be an option.)

Keep in mind, that should you have a seizure while driving you may have your license suspended or revoked and your insurance cancelled, unless you are proven medically fit to drive.

In summary, while the epilepsy is under control you are the same as any other driver, but if anything occurs which indicates you need additional medical oversight, your insurance carrier company may be less flexible or willing to work with you.

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