> Don't anybody try that in the UK. I used to ride a motorbike and the
> insurance was far more for a one eyed person than normal. If I hadn't
[quoted text clipped - 5 lines]
>
> Ann
>> Don't anybody try that in the UK. I used to ride a motorbike and the
>> insurance was far more for a one eyed person than normal. If I hadn't
[quoted text clipped - 9 lines]
>the equivalent of peripheral vision in most cases. I don't think those stats
>you cited were compiled with people who have amblyopia.
Probably not, but it's still a visual impairment that ought to be
declared. It's not only about peripheral vision. I don't know what
insurers are like over there, but here they will do anything to get
out of paying out on a claim and non declaration of a visual
impairment is playing right into their hands.
Ann
Mark A - 21 Mar 2006 03:12 GMT
> Probably not, but it's still a visual impairment that ought to be
> declared. It's not only about peripheral vision. I don't know what
[quoted text clipped - 3 lines]
>
> Ann
I have been insured by the same company for 28 years and they have never
asked me, and I don't think it needs to be declared. My driving record
during that time has been way above average with only 1 minor accident.
About 20 years ago the state (who issued drivers licenses) tested both eyes
during the eye exam, but that is no longer the case.
Dan Abel - 21 Mar 2006 05:07 GMT
> >> Don't anybody try that in the UK. I used to ride a motorbike and the
> >> insurance was far more for a one eyed person than normal. If I hadn't
[quoted text clipped - 3 lines]
> >> road traffic accidents than two eyed people. I can't imagine that
> >> you're supposed to keep it secret.
> Probably not, but it's still a visual impairment that ought to be
> declared. It's not only about peripheral vision. I don't know what
> insurers are like over there, but here they will do anything to get
> out of paying out on a claim and non declaration of a visual
> impairment is playing right into their hands.
It's no secret. Both my wife and I don't use our right eyes. We both
have forms signed by our OD's on file with the State of California
Department of Motor Vehicles stating that, and that it isn't
correctable. We both subsequently took driving tests with a DMV
examiner to prove that we could drive with just one eye.
We have valid driver's licenses, with the complete understanding that we
see out of one eye only.

Signature
Dan Abel
dabel@sonic.net
Petaluma, California, USA
Ann - 23 Mar 2006 00:50 GMT
>> >> Don't anybody try that in the UK. I used to ride a motorbike and the
>> >> insurance was far more for a one eyed person than normal. If I hadn't
[quoted text clipped - 18 lines]
>We have valid driver's licenses, with the complete understanding that we
>see out of one eye only.
We're not talking about driving licences we're talking about
insurance. And I have no idea what happens in the states but I do
know what happens here. Not being asked about a certain disorder is
no defence here. Non disclosure is non disclosure.
Ann
Mark A - 23 Mar 2006 03:17 GMT
> We're not talking about driving licences we're talking about
> insurance. And I have no idea what happens in the states but I do
> know what happens here. Not being asked about a certain disorder is
> no defence here. Non disclosure is non disclosure.
>
> Ann
I think that it has been made very clear that it does not work that way in
the USA.
Even in cases where an insurance company in the USA does charge more for
amblyopia (which I am not aware of), the insurance company can only demand
retroactive payment of the additional premiums (probably only for the last
insurable period), they cannot deny a claim (unless they can prove fraud).
But I am not sure if they can even demand retroactive premiums if they don't
at least ask about these issues in the application for insurance.
Since driving records are publicly available in the US, insurance companies
depend more on your accident and traffic ticket rate than on medical issues
(in most cases). They also do the underwriting based on other factors such
as miles driven weekly, the exact model and year of the car, age of driver,
martial status (in some cases for men under 25), location, years insured
with current company, and some other factors.
Are drivers in the UK insured by the government? That may explain the
non-disclosure issue. In the USA, insurance is a private business and it is
up to the insurance company to ask consumers about the underwriting factors
that they need to determine your premiums.
The other thing that you wrong about (in previous posts you have made) is
comparing accident rates of people with only one eye with accident rates for
people with amblyopia. That is an incorrect use of statistics since the
conditions are not the same.
Ann - 01 Apr 2006 21:02 GMT
>Are drivers in the UK insured by the government?
ROFL.. No. Not everything in the UK is government run.
Ann
A Lieberman - 01 Apr 2006 23:11 GMT
> Probably not, but it's still a visual impairment that ought to be
> declared. It's not only about peripheral vision.
What's the impairment???? There is none in my case
I am nearsighted with 3 diopter difference between eyes, amblyopic (right
eye is my dominant eye)
I drive, fly a plane just as good as a person without amblyopia
Allen