When you apply for a driver’s license through your local Department of Motor Vehicles (DMV); the application form requires you to report whether or not you wear corrective lenses (i.e. glasses or contacts). If you need corrective lenses, a restriction will be placed on your license. In the event of a car accident, or traffic stop, these restrictions will notify police officer(s) of the requirement.
However, if you didn’t require corrective lenses when you first applied for your license, you must update your licensing information. Failing to report changes in your eyesight may result in criminal penalties; as well as increased insurance premiums, or a lack of insurance coverage.
Will My Insurance Company Know If I Need Corrective Lenses To Drive?
Most auto insurance companies require a driver’s license before they provide auto insurance coverage. Therefore, the insurance company will be able to see the restrictions (if any) placed on your license. Therefore, you do not need to self-report wearing corrective lenses to your insurance company unless your eyesight worsens over time; requiring you to now wear glasses or other corrective lenses. Note that needing corrective lenses will not increase your monthly insurance premium unless you fail to wear them while driving.
How Failing to Wear Corrective Lenses Will Impact Your Accident Claim
If you fail to wear your corrective lenses, and an auto accident occurs, your insurance may refuse to pay for any associated claims. Meaning, you will have to pay for all resulting damages that may occur to the other party(s) involved.
Furthermore, some insurance policies state that the insured driver must always wear corrective lenses while operating a motor vehicle. As a result, failing to wear your corrective lenses may cause a breach of contract with your insurer. Therefore, they are not legally obligated to accept liability for the accident on your behalf.
Why Your Insurance May Drop Your Policy
If you fail to wear your corrective lenses, you may lose insurance coverage altogether. If your insurance company decides their initial risk assessment was inaccurate, they will reevaluate your associated risk. This means you may face increased monthly insurance premiums, your insurer may opt to drop your coverage, or they may refuse to renew your coverage once your policy expires.
Why Insurance Companies Care About Risk
Before providing insurance coverage to a potential client, every insurance company will evaluate the risk posed to their company. The higher the risk, the more likely the driver is to cause or experience an auto accident.
Insurance companies ultimately work to save themselves money. Therefore, if your risk is determined to be excessive, your monthly insurance premium will increase accordingly. The insurance company in question may also choose to deny you coverage. This business practice not only saves them money but also helps insurance companies stay in business by limiting the number of expensive claims they must pay.
Criminal Penalties for Driving Without Corrective Lenses
If you drive without corrective lenses you may be subjected to fines, license suspension, and possibly jail time. As each state regulates its punishments for this offense, you should be familiar with your local state laws regarding the matter. For example, Utah, punishes this offense with a citation and an associated fine, along with 40 points applied to your driver’s license. Comparatively, in Florida, this offense is classified as a second-degree misdemeanor; punishable by up to 60 days jail time and/or a $500 fine.
Were you or someone you know involved in a recent auto accident? Call Auto Accident Care Network now at 801-683-1948 to connect with a live care advocate. Our team at AACN can connect you to trusted attorneys and doctors to schedule a free legal consultation, a free thirty-minute massage, and a no-cost medical exam!