When ADHD Affects Car Insurance Premiums

"My son, who has attention deficit hyperactivity disorder (ADD/ADHD), has been caught speeding while driving his car twice, and has gotten into a car accident," one reader tells us. "Our car insurance premiums are now sky-high. Can we appeal to the insurance company to lower our rates, claiming he has a medical condition?"
The Experts | posted by Robert Tudisco
ADDitude contributor Robert Tudisco is a practicing attorney with ADHD and an expert on special education law and disability advocacy.

You can appeal the car insurance company's decision to raise your premiums, but you don't have much legal recourse. Although the actions of the insurance company appear discriminatory, its actions are due not to your son's attention deficit hyperactivity disorder (ADD/ADHD), but to the higher-than-normal risk that your son will get into another accident. Insurance companies factor such risks into their premiums, even though your son's risky driving may be due not to faulty driving schools but his ADD/ADHD.

The bottom line: As long as the insurance company treats all high-risk drivers the same way, disability or not, you don't have a case of discrimination.

Robert Tudisco is a lawyer who specializes in ADHD. He lives in White Plains, New York.

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