That’s an advantage if you have sleep apnea. Previously, an insurer could deny your claim if you had a pre-existing condition. However, the Affordable Care Act ended that practice. Now, an insurer must provide coverage and approve claims regardless of the pre-existing condition.
Do I need to tell car insurance about sleep apnea?
According to the Sleep Apnea Trust, you do not need to notify the DVLA or your insurance company of sleep apnea if it is mild or moderate and you don’t experience excessive sleepiness. However, if you experience severe sleepiness, they must be notified.
Can you drive a car if you have sleep apnea?
If the sleep clinic diagnoses Obstructive Sleep Apnoea (OSA) — but say that any sleepiness during waking hours is not excessive — you can continue to drive and do not need to notify the DVLA. DVLA does suggest that if the tiredness gets any worse, go back to your GP.
What medical conditions do I need to declare for car insurance?
Which medical conditions need to be declared to my car insurance provider?
- diabetes or taking insulin.
- syncope (fainting)
- heart conditions (including atrial fibrillation and pacemakers)
- sleep apnoea.
Will I lose my driving license if I have sleep apnea?
If a driver has sleepiness that does have an adverse effect on driving, and it is suspected that they might have OSA, they should stop driving but do not have to notify the DVLA until the diagnosis has been confirmed. Once a diagnosis of OSA is confirmed, the driver must stop driving and must notify the DVLA.
Is sleep apnea classed as a disability?
Does sleep apnea qualify as a disability? According to the Nolo legal network, the Social Security Administration (SSA) doesn’t have a disability listing for sleep apnea. It does, however, have listings for breathing disorders, heart problems, and mental deficits that might be attributed to sleep apnea.
Does sleep apnea affect your car insurance?
OSA is not the problem — tiredness is.
If you are likely to be sleepy to the point where your driving could be impaired, you must not drive. If you do, you are breaking the law, and may invalidate your insurance.
How long can you drive with sleep apnea?
For people diagnosed with mild sleep apnoea WITH DAYTIME SLEEPINESS you MUST STOP DRIVING until you are on treatment and the daytime sleepiness lifts, but the DVLA do not need this reporting unless symptoms cannot be controlled within 3 months.
Why is sleep apnea bad?
Having obstructive sleep apnea increases your risk of high blood pressure (hypertension). Obstructive sleep apnea might also increase your risk of recurrent heart attack, stroke and abnormal heartbeats, such as atrial fibrillation.
Does sleep apnea reduce life expectancy?
Sleep apnea is dangerous because if untreated, it leads to high blood pressure and is associated with an increased chance of heart attack, abnormal heart rhythms and heart failure. Studies have shown that sleep apnea can decrease life expectancy by several years.
What happens if you don’t tell DVLA about a medical condition?
Contact DVLA if you’re not sure what to do. You could be fined up to £1,000 if you do not tell DVLA about a condition that might affect your ability to drive safely. You could also be prosecuted if you have an accident.
Do I have to tell my car insurance if I have cancer?
The AA say you have a duty of disclosure to your insurance company. This means you must tell your insurance company about any diagnosis as soon as possible. You could have trouble making a claim later if you don’t do this.
Do I need to tell my car insurance after a stroke?
All drivers must notify their insurance company about the stroke or TIA. Some insurance companies will ask for a doctor’s report on fitness to drive. If they are still not considered fit to drive by their doctor after one month, they must notify the DVLA and they cannot drive.
Can sleep apnea be cured?
CPAP and oral appliances work well, but they’re not cures for sleep apnea. The only sure way to rid yourself of the condition for good is to either lose weight or have surgery to remove excess tissue from the palate or throat.
What does it mean to have moderate sleep apnea?
Moderate sleep apnea is ranked as 15 to 30 on the AHI scale, meaning 15 to 30 instances of stopped or shallow breathing per hour. Those with moderate sleep apnea commonly experience “involuntary sleepiness during activities that require some attention, such as meetings or presentations,” reports the AASM.
Can a doctor report you to the DVLA?
As it stands doctors do not need a patient’s consent to inform the DVLA, which is legally responsible for deciding whether a person is medically fit to drive, when a patient has continued driving in such instances. …