Medical Diagnosis and Insurance

I had not seen anything about that recently. I can, however, see a point to this in some cases. For example, my ex-sister in law could not drive because she had epilepsy. I have also seen news stories about the elderly driving. Some states are considering testing the older people before they can renew their DLs. I can also see the ins companies feelings as far as liablity goes. But I dont think it is fair to label people. This whole thing may be a growing problem and the population gets older. It does suggest that we should watch this situation and see how things go.

I think your doctor didn't have a better explanation than that is sad. No offense he may be a great doctor but I have never had to fill out a questionaire for insurance and tell them if their were any medical disabilities or ailments like this. The reason my Psychiatrist said that they don't like to label kids early is because of the treatment that they will get from the school and the labeling the school will automatically do with out getting to know the child. Which at times can be right for some schools to do that but not everyone does. Plus they were saying that labeling them like this hurts them whe they apply for jobs because ADHD.ADD or ODD are called disabilities but if the child has it and you know it aren't you hurting them by not giveing them the correct diagnoses and holding off? But I have never had to have a medical exam for car insurance. that is just plain ridiculous. Have a nice night .

I've never had to prove anything in order to get a license and insurance. I understand what you are saying and to label an individual as being a risk doesn't seem right unless there is medical proof a personality disorder of sorts could potentially cause road rage. Road rage can happen to people who don't have any disorders.

my son has adhd and odd he gets road rage on his bike and his skateboard. i cant say that i disagree with the insurance companies for doing that. they have to protect themselves also

may be a car insurance is not teh best example.. but truck and comercial insurance, schol bus driving liscence, physiacal exam for jobs (particularly certain jobs) life insurances, are affected but everything in teh past history, family history.. etc.. if any employer had to hire a person for a delicate or sensitive work, he will be very reluctant to hire a person with certain diagnoses, even though it falls under discrimination laws... ADD in particular. except for some rare extreme is not of a high concern, as the majority outgrow it, but other diagnosis definetely impact people life particularly psycolgical ones (depression, bipolar, opponent personality aggressive behaviour, not mentionning the more serious ones

Around here, it seems like the teachers and doctors like to label kids with ADD or ADHD. One teacher was attempting to convince a friend of mine that her son had ADHD because he started talking in class, but he was actually done his work.

Hello dear friend. As I do not have a car of my own, I do not have to go to the hospital for a medical examination to prove that I am fit to drive for insurance purpose. But I have bought my medical insurance as it is good and benefits us when we are ill some day. I pay for the insurance once a year. Thank you for your discussion, dear friend.