Diagnosed With Sleep Apnea: Can Your Auto Insurance Suffer?

Sleep apnea, which affects 22 million Americans, is a disorder that causes people to stop breathing while they sleep. Symptoms include drowsiness during the day, snoring, headaches, and sudden increases in weight. If you’ve just been diagnosed with sleep apnea, it’s time to find a reliable CPAP face mask. You should also read on to learn about the effects this diagnosis can have on your auto insurance. 

Insuring Your High Risk Status

A sleep apnea diagnosis puts you at a higher risk of getting into an accident because you’re more likely to be fatigued when you drive. As a result, if you have a consultation for a new auto insurance plan, your agent may offer you higher premiums to account for the greater liability you pose. 

If you’re not switching insurance plans, your insurance company may not make any changes to your plan. For severe cases, though, your doctor may advise the Department of Motor Vehicles to limit your time on the road. In this case, your insurance company may hear about your increased risk status and raise your premiums. When you’re at the doctor discussing the most comfortable CPAP mask, ask whether he or she plans to notify the DMV of your diagnosis.

Your Driving History Could Impact Your Insurance Rates

Your driving history almost always affects your insurance rates. For example, if you have a history of getting into fender-benders, your insurance company is at a greater risk of having to assume fault for an accident and pay any medical or repair bills. The same is true of accidents that happen if you fall asleep while driving. If your driving history gets worse after your sleep apnea diagnosis, expect higher premiums.

What You Can Do

Is there anything you can do to keep your premiums from going up? While there are no guarantees, committing to your doctor’s health plan decreases your chances of daytime fatigue. For example, if he or she recommends wearing a Resmed Airfit P10 Nasal Pillow CPAP Mask with Headgear at night, doing so allows you to get a better night’s sleep. That way, you’re alert enough to spot and prevent potential accidents.

Similarly, there are several ways to decrease your sleep apnea symptoms that also lower your chances of getting in an accident. Avoid depressants such as alcohol, which can make it harder for you to breathe while you’re asleep. If you’ve gained a lot of weight recently, ask your doctor about ways to decrease your calorie consumption. Finally, get plenty of exercise during the day, such as jogging, walking, or lifting weights. 

Most importantly, talk about your situation with your insurance agent. Ask what your provider’s policy is for customers with sleep apnea, and brainstorm ways to keep your premiums reasonable for everyone involved. 

Your auto insurance premiums may go up if your driving history suffers after a sleep apnea diagnosis. Take these practical preventative actions to stay safe on the road and maintain affordable premiums.

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