The handicapped driver: an insurer's point of view

This paper reviews the approach used by one automobile insurer to underwrite and to medically evaluate a handicapped driver. Significant factors which must be carefully developed for each application for automobile insurance are discussed. In the final analysis. The extent of any physical or mental impairment must be considered along with information verifying the capability of the handicapped person to safely operate an automobile. Cooperation in research programs among many disciplines, namely, state motor vehicle bureaus, insurers, product manufacturers, health professionals and driver educators as well as handicapped drivers, is clearly indicated.