Driving With A Cast: Is Your Insurance Still Valid?

Driving with a cast is a contentious issue, with many people unsure about the legal and insurance implications. The general consensus is that it is unsafe to drive with a cast, and it may invalidate your insurance. However, some insurance companies allow it if you are 100% in control of the car at all times. It is important to check with your doctor and insurance company to confirm if you are able to drive with a cast, as the consequences can be severe if you are involved in an accident.

Doctor's advice

Doctors' advice:

Whether or not it is safe for a person to drive with a cast depends on several factors, including the type of vehicle, the location and type of cast, the nature and severity of the injury, and the patient's pain levels. For example, a cast on the left foot may not affect a person's ability to drive an automatic vehicle, but a cast on the arm or hand will likely hinder their ability to steer and operate the vehicle safely.

In the UK, Rule Number 90 of the Highway Code states that drivers must ensure they are fit to drive and must report to the Driver and Vehicle Licensing Agency (DVLA) any health condition likely to affect their driving. Failure to do so can result in a fine of up to £1,000. Additionally, if a person is involved in an accident as a result of their medical condition, they may be prosecuted.

Doctors may advise patients to refrain from driving if their cast is on their arm or hand, as it could affect their ability to properly control the vehicle. This is particularly true if the cast hinders the patient's ability to perform emergency manoeuvres or affects their reaction time. In some cases, doctors may recommend alternative transportation methods, such as having a driver or using public transportation, until the cast is removed.

It is important to note that the decision to drive with a cast ultimately lies with the patient, and they should carefully consider the doctor's advice and their own comfort and ability to safely operate a vehicle before making a decision. Patients should also check with their insurance company, as driving with a cast may affect their insurance coverage in the event of an accident.

Insurance company's stance

The general consensus is that driving with a cast is unsafe. Broken legs, arms, and collar bones are among the injuries most likely to hinder driving ability, as casts can affect freedom of movement and, subsequently, the ability to perform day-to-day activities.

However, the official stance of insurance companies is unclear. While some insurance companies have stated that they will allow patients in casts to drive as long as they have been given permission by a doctor, others have stated that they will not insure drivers with a cast, regardless of where the cast is located.

In the event of an accident, a cast could be seen as inhibiting full control of the vehicle and, therefore, be considered a contributing factor. As such, it is essential to check with individual insurance companies and review the fine print of insurance policies. Some insurance companies may require drivers with a cast to pay additional premiums.

In the UK, drivers must meet the 'standards of vision for driving' and, if they fail to do so, must wear glasses or contact lenses while driving. If these requirements cannot be met, the DVLA and insurance company must be informed. Similarly, any restriction on driving due to illness or injury must be reported to the insurer, and drivers must inform the DVLA if they are unable to drive for more than three months due to a broken limb.

Legal requirements

In the UK, there are certain legal requirements that you must meet to be able to drive. These include meeting the 'standards of vision for driving' and being fit to drive. If you fail to meet the vision standards, you must wear glasses or contact lenses while driving. If you cannot meet these requirements, you must inform the Driver and Vehicle Licensing Agency (DVLA) and your insurance company. In cases of extreme eyesight loss, you may lose your driving licence.

If you have a medical condition that affects your driving, you must inform the DVLA. This includes informing them if you are unable to drive for more than three months due to a broken limb. Failure to disclose a medical condition that affects your driving can result in a fine of up to £1,000. You may also be prosecuted if you are involved in an accident as a result of your medical condition.

It is important to note that driving with a cast may be considered unsafe, as it could affect your ability to perform emergency manoeuvres and maintain full control of the vehicle. Some insurance policies may not cover you if you are driving with a cast, so it is crucial to check with your insurance company and review your policy documents. Driving against medical advice may invalidate your insurance.

If you are unsure about your ability to drive with a cast, it is recommended to seek advice from a medical professional, such as your doctor or orthopaedic surgeon. They can evaluate your specific condition and provide guidance on whether it is safe for you to drive. Ultimately, the decision to drive with a cast may depend on factors such as the type of cast, the location of the cast, the type of vehicle you drive, and your pain levels.

Safety considerations

When considering driving with a cast, several safety factors must be taken into account to ensure the driver's well-being and the safety of other road users. Firstly, it is essential to follow medical advice. If a doctor advises against driving, it is crucial to refrain from doing so, regardless of the type of vehicle or the location of the cast. Medical professionals assess an individual's condition and provide recommendations accordingly. Failing to adhere to their advice can put oneself and others at risk.

Secondly, it is imperative to review your insurance policy and contact your insurance company. Different insurers have varying policies regarding driving with a cast. Some may provide coverage as long as the doctor gives permission, while others may have explicit prohibitions. It is essential to clarify your insurance status to avoid potential legal and financial complications in the event of an accident.

Thirdly, it is crucial to assess your physical ability to drive safely. Even if medical advice and insurance coverage permit driving with a cast, one must honestly evaluate their physical limitations. For example, a cast on the hand or wrist may hinder gripping the steering wheel or performing emergency manoeuvres. Driving with a cast on the leg may impact the ability to operate pedals effectively. In such cases, it is advisable to refrain from driving until fully healed or to seek alternative transportation arrangements.

Additionally, it is important to be aware of the relevant laws and regulations. In some jurisdictions, failing to notify the appropriate authorities, such as the Driver and Vehicle Licensing Agency (DVLA) in the UK, of a medical condition that affects your driving can result in fines and legal repercussions. It is essential to stay informed about the legal requirements and your obligations as a driver to ensure compliance and avoid penalties.

Finally, consider the potential risks to yourself and other road users. Driving with a cast may impair your ability to react quickly and effectively in unexpected situations. It is essential to recognise that a cast can restrict your range of motion and physical capabilities, potentially impacting your ability to maintain full control of the vehicle. Always prioritise safety, and if in doubt, err on the side of caution by refraining from driving until you have fully recovered.

Claiming on personal accident insurance

When it comes to driving with a cast, it is essential to consider not only the legal implications but also the impact on your insurance coverage. While the specific rules vary by location and insurer, there are some general principles to keep in mind when claiming on personal accident insurance. Firstly, always refer to your insurance policy documents, as these will outline the specific coverage and exclusions relevant to your situation.

In some cases, insurance policies may explicitly state that driving with a cast is not permitted, regardless of the type of vehicle or location of the cast. This can result in the driver being considered uninsured if they choose to drive. It is also important to follow medical advice; if a doctor advises against driving, it is crucial to abide by their recommendation, regardless of the vehicle type. Driving against medical advice can lead to insurance complications and put yourself and others at risk.

When claiming on personal accident insurance, several steps should be taken. Firstly, promptly report the accident to your insurance company and the local police department. If there are injuries or significant damage to your vehicle, it is essential to file an accident report with the relevant authorities, typically the Department of Motor Vehicles. This report will be necessary when submitting your insurance claim. Additionally, be sure to review your policy's specific reporting requirements to ensure you meet all necessary conditions to avoid any difficulties in handling your claim.

In the event of an accident, it is also important to understand the role of the insurance adjuster. They will investigate the accident to determine negligence or fault. Depending on the location, if you are found to be partially at fault, you may be barred from collecting damages. Repairs to your vehicle may be covered by your insurance company, and you usually have the right to select the repair shop of your choosing. If your vehicle is totaled, the insurance company is responsible for its Actual Cash Value (ACV), which represents the local market value of the vehicle.

Personal accident insurance can also provide coverage for medical expenses resulting from the accident. Medical Payments coverage may assist with doctor and hospital bills, laboratory fees, lost wages, and pain and suffering directly resulting from the accident. If you are injured in a motor vehicle accident, it is crucial to file a written notice of claim with the relevant insurer, providing information about the injured individuals and the details of the accident. This claim should generally be filed within a specified timeframe, typically around 30 days, although late filings with valid justification may be accepted.

Frequently asked questions