Car Insurance. Bad Eyesight Threatens Your Insurance Cover.
Posted September 6, 2009 – 1:32 am in: AutosIf you have an accident and it’s found that you’d failed to keep your car roadworthy, for example excessively worn tyres, and that was a contributory factor in the accident, your insurer will probably refuse to pay up. And the police may also show an interest too! Quite reasonable many of you will say. But what if it’s you whose exactly road unworthy? That’s why Online Car Insurance is very essential.
How many driving accidents are accompanied by the comment “I didn’t see the other vehicle”? And what transpires if the proble was your very poor eyesight? Has it deteriorated to that very fatal extent?
Well all of us clearly know that once we have poor eyesight and there are opticians to assist on every high street. Remember, if you need contact lenses or glasses for driving then you must wear them and if your eyesight deteriorates you should get a new prescription. It is the sole and legal responsibility of all drivers to ensure that they are safe and fit to drive.
Only a few weeks back i drew up alongside an elderly driver who was clearly having trouble reading the junction signs. He was leaning forward trying to decipher signs indicated across Leeds and rolling forward at 10mph - all this at traffic lights that by this moment turned red- and he clearly he failed to see all those! He was just too lucky that the cars approaching from the right side saw him beforehand. I am not quite sure he saw them as well!
The law is quite stringent and crystal clear- it states that any driving license holder who fails to meet the minimum level of eyesight must be precluded from driving. Similarly, they are mandated to surrender their driver’s license. So, this is exactly when online car insurance comes into play.
The eyesight test for drivers’ states that you must be able to read a number plate containing letters and figures 50 mm wide and 79mm high (that’s a legal number plate) from a distance of 20 meters. But you can use your driving glasses.
Having said that there’s no legal obligation for you to have regular eyesight tests but you are required to tell the DVLA if you develop any medical problem that affects your fitness to drive. If you don’t tell them, it’s a criminal offence.
In some American states drivers have to take an eye test every five years but not in the UK. Here, a septuagenarian motorist must complete a medical form once every 3 years to confirm his fitness to drive and the definition of ‘fitness’ includes eyesight. Once these drivers fail to send in their medical form, they will certainly lose their driver’s license. (I was wondering what that elderly gentleman at the traffic lights muttered on his?)
On the insurer’s side, if you are in any way a partaker in an accident where your poor eyesight was a direct contributing factor, the insurance comapny may argue that it was your own negligence that caused it and will msot likely refuse to pay. This could be simply because you needed glasses to drive but weren’t wearing them at the time.
So drive carefully, and keep your eyes peeled – elderly gentleman in Leeds please take note!
Learn more and get your Online Car Insurance Quotes today.
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