For drivers in Matthews, NC, who have a disability and want to understand the factors that influence auto insurance rates, JC Demo Insurance Group is here to help. Our agents can provide the most current information, remove any guesswork, and answer all your questions to ensure you’re being charged correctly.

Americans with Disabilities Act

Good news for North Carolina residents with disabilities who drive—the Americans with Disabilities Act (ADA) prohibits insurance companies from increasing auto insurance rates solely because of a disability. While the ADA enforces non-discrimination laws to protect you, there are specific factors that may still affect your rates.

Factors That May Increase Insurance Rates

Several factors could impact your policy rates, including:

• Modifications to customize your vehicle, such as extended pedals.
• The option to increase your comprehensive and collision coverage to account for vehicle modifications.
• Additional supplemental coverage to protect custom equipment and parts for your vehicle.
• A medical condition that affects the safety of you and other drivers.
• A physical limitation that may increase safety risks.

It’s important to note that only a medical professional or the North Carolina Department of Motor Vehicles can determine whether you are fit to drive and whether a medical condition or physical limitation poses a safety risk.

Contact JC Demo Insurance Group

If you have questions about your auto insurance rates in Matthews, NC, and believe you may be overpaying due to a disability, call JC Demo Insurance Group. We’ll review your current policy and discuss options for a new plan that could save you money.