Should deaf drivers pay more for auto insurance? Author:    Posted under: Auto InsuranceAuto Insurance questions answered

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As insurance paying concerned drivers, I’m pretty sure most of us will give a second thought before answering this one. We all know that driving is a skill that utilizes multiple senses at the same time. But some of us, specially those who have not have had any experience knowing people with disabilities, might easily think that a task such as this would pose so many dangers to the hearing impaired.

On the contrary, it is quite interesting to know that there are no direct evidences that deaf drivers neither cause more nor receive more accidents and fines than any other drivers. Studies show that deaf drivers tend to be more careful and more aware because they require more attention to details and their surroundings, using their other senses to back up that of which they lack—in their case, hearing.

Deaf people have been driving legally for as long as we all can remember. And in most cases, deaf drivers are considered to be more careful than many because they have to compensate by really tuning in to their surrounding using their sense of vision and even their sense of feeling. To most deaf people, the slightest vibrations and even the faintest light can easily be registered or picked up as much as an ambulance blaring its siren to the high heavens.

This is why there is also no direct evidence that insurers should require higher car insurance premiums for deaf drivers–This must be because:

There is no direct proof or proven higher risk of vehicle accidents by deaf or hearing impaired drivers.
Distractions from driving such as car radios, other passengers talking to the driver or even cell phone conversations basically are just not a problem anymore for deaf people. This means not having to do these while driving poses lesser risks.

Hearing-impaired is not considered a difficulty that affects one’s ability to drive. Giving higher quotes to deaf drivers might breach disability discrimination legislation — higher quotes would be discrimination based on a disability, without supporting data to prove hearing-impaired drivers are actually higher risks.

Although hearing is important to maintaining focus when driving (that’s why using earphones and blaring out loud music while driving is highly discouraged) it is not a main requirement upon getting your driver’s license. In fact, deaf people’s driving exams are only slightly different from those of normal hearing.

Therefore, Insurance companies should solely base their auto insurance premium rates on an individual’s ability to drive and their ability to do it safely.


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