Fuquay-Varina, NC has a quite a charming history. Established around mineral springs because they were believed to have healing powers, this quaint town continues to thrive. Unfortunately, the mineral springs in Fuquay-Varina do not have healing powers, and medical conditions you may suffer from can affect the rate you have to pay for your car insurance each month.

Medical Conditions and Car Insurance Rates

Your car insurance is rated based on risks. If you are a considered a risk after a risk assessment has been completed for you then you will likely pay more for your car insurance. Unfortunately, individuals with certain medical conditions are considered a risk. For instance, individuals with diabetes may have blurred vision, which compromises their ability to see while driving. Additionally, patients taking certain medications are considered a risk behind the wheel because their prescriptions may affect their ability to drive.

What Should Businesses Do About Drivers with Risky Medical Conditions

Since business insurance is expensive and many managers may not know what conditions are affecting employees driving their company vehicle, businesses must take a proactive position to protect their assets. Most businesses ask their drivers about medical conditions affecting their ability to drive and provide annual screenings or require DOT physicals that will help keep drivers honest. We encourage businesses to know their driver’s status because the company is liable for losses and accidents caused by the driver, ultimately.

Discuss Your Limitations with Your Agent

To ensure that you do not threaten your life or the lives of others, it is in your best interest to discuss your medical conditions with your doctor and your insurance agent. Both professionals will provide you with detailed information about what you should do to protect yourself and your family while driving. As your insurance agent, we can recommend measures you can take to reduce the chances of you getting in a wreck, which will help you save money on your insurance.