From the March 2012 issue of American Agent & Broker • Subscribe!

IQ: Survey: Disabled Pay More for Auto Insurance

Disabled individuals pay $600 more annually, on average, for car insurance than non-disabled individuals, according to a new study by the quote comparison website 4AutoInsuranceQuote.org.

The study surveyed 623 New York residents aged 25 to 50 who were the sole insureds on their auto policies, about one-quarter of whom were disabled. The results reported that disabled people paid $2,810 annually, on average, whereas non-disabled people paid $2,193.

According to the Americans With Disabilities Act of 1990, any type of anti-disability discrimination is illegal, but many insurance companies avoid violating the law by adding on fees for services disabled individuals might need. Additional coverage types may include adaptation coverage to add on wheel-chair lifts, mobility insurance and equipment coverage to cover medical devices.

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