You may not think about it much, but your eyes play a very important role in your daily life. Some people have regular eye exams to keep their eyes in the best condition, but others take their eyesight for granted, and put off taking care of their eyes. While you may not notice it right away, your eyesight can deteriorate gradually over time, making it difficult to see objects that you used to be able to see with ease. Not only does bad eye sight affect your life, but it can also play a significant role on what insurance will cover if you are in an accident.
How Eye Sight Affects Your Insurance
While insurance is there to cover your losses, there is a chance that your insurance will not pay for anything if the accident was your fault and your eyesight was compromised. The reason insurance companies can do this is because the accident could be attributed to negligence, meaning that you are at fault because you neglected to have your eyes examined. Not seeing an object is one of the most common contributors to accidents and insurance companies will refer to your exams to see if your vision was compromised.
Your eyesight can determine your insurance rates as well. Even if you have not been in an accident, you may be paying more simply because you have not had an eye exam for some time, which makes you a greater liability when compared to other drivers. Saving some money by skipping exams could actually be costing you more in other places. Remember that your eye sight is constantly changing and can lead to further deterioration as years pass. Some companies won’t even cover you if you have not had a recent exam, so be aware when shopping around.
Keep Yourself Covered
The easiest way to keep your coverage costs low and ensure that your insurance is there when you need it is to take regular eye exams. Not only will the exams allow you to keep track of your eye sight so it is the best it can be, it will also give you the peace of mind that you will be insured if you are involved in an accident. Take note that the specifics of how often you need to take an exam will depend on whether you wear glasses or contacts, so call your insurance provider to get the details.
You may think that you are saving some money by not having your eyes checked regularly, but you may end up paying much more for it later on down the road. Having regular eye exams could potentially lower your monthly costs and keep you from getting into an accident in the first place, so put aside some time to take care of your eyes. Your eyes will thank you for it.