Insurance companies levy a surcharge on policies where insured drivers have specific medical conditions.
Almost every health professional will, at some time in their career, find themselves having to advise an insurer or individual on their fitness to drive and this article is intended to offer a small insight into the considerations these experts take into account before making a recommendation.
It is firstly important to appreciate that assessment surrounds understanding and examining the capabilities a driver requires to drive safely and the effects of health-related impairments have on these.
Factors which must be considered are:-
• The effects of different forms of impairment has on an individual’s capability to drive
• How any risks can be reduced?
• Ways in which the personal mobility of a driver can be maintained, without compromising road safety
• Identifying the sensory inputs needed for safe driving, particularly an individual’s eyesight
• The capabilities of both the mental functions and that of the nervous system which are required for driving
• The effects that certain medication, alcohol and non-therapeutic drugs can have on driving.
• The consequences for the control of a vehicle where the driver’s movement from injury, surgery and musculoskeletal disease is restricted.
• The main forms of sudden incapacitation that can threaten a driver’s ability to retain control of a vehicle.
It is inevitable that for some individuals, more than one of these factors could affect their present state of impairment and irrespective of diagnosis, will determine any inherent risks whilst driving.
Health professionals advice on fitness to drive is derived from an assessment of a driver’s risk of having an accident which could be attributed to any health-related impairments that are likely to impair their ability to drive safely now and in the future and is just one of the factors that insurance underwriters will consider when assessing an individual for suitability for insurance cover and of course, an appropriate premium.
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