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HomeCar Insurance ResourcesWill having epilepsy affect my car insurance rates?

Yes, having epilepsy can affect your car insurance rates in Canada. Insurance companies consider many factors when determining your insurance premium, including your driving history, the type of vehicle you drive, and any medical conditions that may impact your driving ability. If you have epilepsy, it’s possible that your insurance premium may be higher than someone without epilepsy.

It’s important to disclose any medical conditions that may affect your driving ability to your insurance company, as failing to do so may result in a denial of coverage if you need to make a claim.

It’s best to speak with your insurance company and your doctor for more information on how epilepsy may impact your car insurance rates.

Do I have to disclose my epilepsy to my insurance company?

Yes, it is generally required to disclose your epilepsy to your car insurance company in Canada. Most insurance companies will ask about any medical conditions that may affect your driving ability when you apply for car insurance. If you have epilepsy, it’s important to provide accurate information about your condition to your insurance company so that they can determine your insurance premium and make sure you have the appropriate coverage.

Failing to disclose a medical condition, such as epilepsy, to your insurance company can have serious consequences. If you have a seizure while driving and need to make a claim, the insurance company may deny your claim if they determine that you failed to disclose your medical condition.

It’s important to speak with your insurance company for more information on their specific requirements for disclosure of medical conditions.

Can I still drive with epilepsy?

epilepsy effect


Will my insurance coverage be affected if I have an epileptic seizure while driving?

In Canada, whether or not you can drive with epilepsy depends on the severity and frequency of your seizures, as well as the type of seizures you experience. The rules and regulations regarding driving with epilepsy vary from province to province, but in general, if you have epilepsy and have had a seizure within the past year, you may be required to inform your province’s Ministry of Transportation and to undergo a medical evaluation.

Based on the results of your medical evaluation, the Ministry of Transportation may place restrictions on your driving privilege, such as requiring you to only drive during certain times of the day or with someone in the car, or to only drive vehicles with certain safety features.

It’s important to speak with your doctor for more information on how your epilepsy may impact your ability to drive, and to follow any rules and regulations established by the Ministry of Transportation in your province.

About the Author: Valerie D. Hahn

Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.

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