How does exhisting back injuries affect your insurance health car life?

Question

I was hit on the head with a 68lb box. I have 3 herniated disc in my back, major nerve damage etc.... How does this effect my car insurance? If I get in a wreck am I not covered because ......What if the meds I'm on or my vertigo is the cause? I'm screwed right?

How does this effect health insurance... am I un-insurable?

Any web link would help.

I'm 26 and its been 7 months... I still cant lift over 5lbs.

Answer 1

It doesn't affect your car insurance at all, unless it's caused by your meds - and then maybe you shouldn't be driving - and should turn in your license.  Driving is NOT a right.  Anyway.  If you start having claims because you get in a lot of accidents, at best you'll be dropped and put on high risk auto coverage - at worst, your license will be revoked.  Which it probably should be, if you're telling us you're on meds that can cause accidents.   Or that you have a condition that can cause accidents.

On the health insurance - no one is going to cover your back issues, if you switch to a new plan, unless it's a plan through your employer.

Answer 2

The previous answer is correct with health and auto insurance.

If you're starting a new life insurance policy, you will probably be rated for the injury when they interview you or go through your medical history. Depending on the extent of the injury, and your age, you will probably be paying slightly more.

If you already have a life insurance policy, then you don't have to worry. They won't rate you for the injury in the middle of the term. They MAY, however, at renewal.