Certain chronic pathologies make those who suffer from them have a higher risk of traffic accident in case they are not properly controlled.Diabetes, high prevalence disease in society, is one of them since, in certain circumstances, it can interfere in a safe conduction.
Beyond whether it is type II -type diabetes, the risk occurs above all when the driver has difficulty detecting hypoglycemia situations, in which the low level of blood glucose causes alterations in mobility, visionblurred, cardiovascular problems, etc.
The DGT says that people suffering from diabetes have between 12% and 19% more likely to suffer a traffic accident.With this statement, it is worth asking whether there is a risk that insurers will not be responsible for damages in an accident caused by an episode of severe hypoglycemia.
Real cases
In March of this year, a 29 -year -old driver overwhelmed four pedestrians with his vehicle after suffering a hypoglycemia crisis while driving on General Ricardos Street in Madrid.
In that same month, a video came to light in which a vehicle was seen performing dangerous maneuvers of a driver circulating in drunkenness.In the images it looks like a Civil Guard patrol stops the vehicle at the entrance of the municipality of Santoña (Cantabria).Later, health services found that the 70 -year -old was suffering severe hypoglycemia.
Does the insurance premium affect?
When you hire insurance for your car, the company gives you a questions about the driver and the vehicle to secure to offer you a price consistent with your risk profile.
Regarding the driver, these issues are aimed at knowing the age and years of experience with the driving card, in addition to the town where you reside and the claims that you have had in recent years, but in no case are interested in thediseases you suffer, which means that diabetes is not a factor that influences the annual insurance premium.This is a typical question of life or health insurance, but not a car.
For this reason, in case you provide an accident after suffering an episode derived from diabetes, the insurance will take care of all damages that occasions through the coverage of civil liability, in which, in no case, exclude theaccidents caused by diseases, unlike, for example, of the claims in which the driver circulates drunk or drugged.
limitations in driving license
The PRA/375/2018 order that modifies Annex IV of the General Driver Regulations establishes limitations to obtain the driving license of diabetics.
Thus, those who suffer from diabetes that cure with severe metabolic instability that require hospital assistance or insulin treatment or hypoglycemic drugs will not be suitable for obtaining or renewing the driving card of tourism, motorcycles or cyclomotor.
As an exception, in cases where the treatment with insulin or with hypoglycemic drugs is necessary, a report of the specialist that accredits the adequate control of the disease and the diabetological formation of the interested party may be provided.In which case the period of validity of the driving license will be a maximum of five years that may be reduced to the criteria of the optional.
For drivers who have suffered a case of severe hypoglycemia, they can renew the driving license three months after the episode and for a time not exceeding one year, provided that a doctor accredits the knowledge of the disease.
Remember that if you do not renewThe driving card and you have expired at the time of the accident, your insurance company will not be responsible for the damage you cause.
