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Impaired Vision and Car Insurance Claim Denial

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/07/2013

Q: Can a car insurance claim be denied if it is determined if the person has impaired vision or develops blindness after he or she had passed the eye test at renewal?

A: I would have to say no, an insurance company can’t deny a car insurance claim if a driver develops a vision impairment during the course of a policy term. Insurance companies still pay claims for those that are ticketed for a DUI or DWI, and they even pay claims for those that have had strokes and can’t feel parts of their body. So I do not believe that a developed vision impairment would be treated any different.

If this is the case though, you can almost be assured of a policy cancellation after the claim is paid.

However, I am not a claims adjuster and cannot legally advise of what is and what is not covered. To be sure you need to check the legal part of your insurance policy or talk to your insurance agent for the specific policy of your insurance company.


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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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