Do You Need High-Risk Car Insurance because of a Medical Condition?

Intermittent Explosive Disorder (IED) 

Called Intermittent Explosive Disorder (IED), this condition causes people to become overly agitated during stressful situations. Their response to a frustrating event is generally out of proportion with the event itself. Doctors believe the condition stems from a lack of serotonin production in the brain. Serotonin is responsible for helping us control our behaviors and regulate our moods. People who don't have the proper amount of serotonin have a harder time controlling their emotions. They tend to overreact in many different types of situations, including stressful traffic situations. People who suffer from IED are generally embarrassed and regret their outbursts once they have calmed down. 

High Percentage of Americans Suffer From IED 

The research showed that IED is relatively common in the United States, even though many people have never heard of the disorder. Psychologists did not realize how common the disorder was until the study was released. Findings indicate that almost 16 million people are dealing with IED on a daily basis. People with IED have an average of 43 recognizable angry outbursts, which lead to more than $1,000 in damages over a typical life span. 

Symptoms Generally Begin in Childhood 

Recognizable symptoms of IED usually begin in late childhood or early adolescence. The fact that teenagers seem to overreact in general may be one of the reasons IED has not been commonly recognized as a medical condition early in life. Psychiatrists who work with IED sufferers report that their patients experienced violent outbursts at least once during their adolescent years in most cases. The disorder is typically diagnosed only after the patients are older and have established a longer pattern of emotional behavior. Since the disorder is more common than expected, it could explain many of the stereotypes attached to adolescent behavior. 

Stress Leads to Disproportionate Outbursts 

Intermittent Explosive Disorder causes people to become severely agitated in situations that do not normally lead to such agitation. Road rage is a good example of an IED outburst, because it usually involves someone becoming enraged after a simple traffic maneuver. The anger expressed by a person with IED can seem out of control, which it very well could be. The person who suffers from the disorder might be amiable and easy-going most of the time. Their symptoms do not present themselves until something triggers an emotional response. 

Sufferers can become 

One of the hallmarks of this disorder is that a person with IED tends to become physically violent during an outburst. They might throw things around the room, put their fists through a wall, or drive their car dangerously during a road rage incident. Many cases of domestic abuse are attributed to sufferers of IED. The pattern of violent outbursts over insignificant incidents followed by remorse and embarrassment is a common theme in most domestic abuse situations. Recognizing IED as a medical condition could allow mental health professionals to treat abusive individuals in a more effective manner so that they can stop their abusive behavior. 

Few People Aware of the Disorder 

Although a large proportion of the American population suffers from IED, most people have never heard of the disease. Intermittent Explosive Disorder behaviors were written off as violent personalities or a lack of social control. It is possible that the majority of the people who have IED do not realize that they are sick at all. Even psychiatrists who are aware of the disorder did not realize that it was as widespread in the general population as recent research indicates. An increased awareness of this disorder among the public could change the lives of many people who suffer without treatment. 

Treatment Involves More than Anger Management 

Anger management therapy has traditionally been recommended for people who exhibited out of control anger problems. Psychiatrists report that this kind of treatment is not very effective for people who suffer from IED because their problems stem from a chemical imbalance. The best way to properly treat this disorder is through medication to stabilize the serotonin levels in the brain. Anti-depressants and medications that affect serotonin receptors are the most successful in helping to control this behavior. Doctors say that counseling and anger management therapy should be used in conjunction with the medication for the best results. 

How to Tell When Someone Might need Treatment 

There is a difference between someone with a bad temper and someone suffering from Intermittent Explosive Disorder. The main thing to watch for if you suspect IED is a sudden violent outburst that is out of proportion with the event that triggered it. A person who suffers from IED will seem more out of control when they are in the middle of an outburst. Once the outburst is over, the person will feel ashamed of their behavior. Watch for out of control anger that happens in certain types of situations repeatedly. 

Not all Road Rage Events Are Caused by IED 

Sometimes road rage really is a one-time event that has nothing to do with a person's brain chemistry. It is possible the driver simply had a bad day at work. It's always a good idea to drive respectfully, especially during peak rush hour traffic. Keeping your cool on the road will help you avoid dangerous road rage situations that could lead to an accident or worse. If someone becomes overly angry, give him or her plenty of space and let him or her pass you if possible. If you are really concerned, pull into a brightly lit convenience store parking lot where there are people around to assist you. 

Insurance terms: 

Insurance Terms Dictionary Agent: In insurance, the person authorized to represent the insurer in negotiating, servicing, or effecting insurance policies. Applicant: The party applying for an insurance policy. Application: A printed form developed by an insurer that includes questions about the prospective insured and the desired insurance coverage and limits. Auto Collision Coverage: Optional auto insurance which pays for damage to your car caused by collision with another car or object, or by rolling the car over. Frequently required if you have a car loan. Auto Comprehensive Physical Damage Coverage: Optional auto insurance which pays for damage to your auto caused by things other than collision or rolling the car over, such as fire, theft, vandalism, flood or hail. Frequently required if you have a car loan. Bodily Injury Liability Coverage: Pays when an insured person is legally liable for bodily injury or death caused by your vehicle or your operation of most non-owned vehicles. This coverage also pays for your legal defense if you are sued. Claim: A person's request for payment from an insurer for a loss covered by the insurance policy. Collision Coverage: Pays for loss to your covered vehicle when it collides with another object or overturns. We will also pay for a collision loss to any non-owned vehicle, or to a vehicle you have rented other than a vehicle rented for use in connection with your business or employment, while that vehicle is in your custody, or while you are operating it. Comprehensive Coverage: Pays for loss or damage to your covered vehicle caused by any event other than collision. This includes damages due to events such as fire, theft, windstorm, flood, and vandalism. We will also pay transportation and loss of use expenses under this coverage if your motor vehicle is stolen. Conditions: The part of your insurance policy that states the obligations of the person insured and those of the insurance company. Continuously Insured: Insurance coverage was in effect from an insurer or more than one insurer at all times, without a break or lapse in coverage for any reason. Contract: A legally enforceable agreement between two or more parties. Declarations Page: The report from your insurance company listing: the types of coverage you have elected; the limit for each coverage; the cost for each coverage; the specified vehicles covered by the policy; the types of coverage for each vehicle covered by the policy; and other information applicable to the policy. Deductibles: The portion of the loss that the policyholder agrees to pay out of pocket, before the insurance company pays the amount they are obligated to cover. For example, if the covered claim is $1000 and your deductible is $250, you pay $250 and your company will pay $750. Deductibles help to keep insurance rates reasonable. Raising the amount of the deductible lowers the cost of insurance. Depreciation: Reduction in the value of property due to age and use. Endorsement: Attachment or addendum to an insurance policy; an endorsement changes the contract's original terms. Garaging Location: The ZIP code where your vehicle is parked when not in use and usually corresponds to your primary residence. Insurance Company: An organization that has been chartered by a governmental entity to transact the business of insurance. Insured: The person whose insurable interest is protected under an insurance policy. Insurer: See Insurance Company. Lapse: Termination of a policy due to nonpayment of premiums. Liability: A legal obligation to compensate a person harmed by another's acts or omissions. Liability Coverage: Insurance that provides compensation for a harm or wrong to a third party for which an insured is legally obligated to pay. Life Insurance: Insurance that pays a specified sum of money to designated beneficiaries if the insured person dies during the policy term. Limits: The most we will pay for a specific insurance coverage. You may choose the limit which meets your needs. Most states have laws that specify the minimum limits you must purchase. Loss: A claim either paid or payable due to the insurer's policy obligations. Medical Payments Coverage: Medical and funeral expense coverage for bodily injuries sustained from or while occupying an insured vehicle, regardless of the insured's negligence. Named Insured: The first person in whose name the insurance policy is issued. Negligence: Failure to use a generally acceptable level of care and caution. No-fault Insurance: A system of compensation enacted by law in many states under which indemnification is made by the insured's own insurance company regardless of who is at fault. Details of this system vary significantly from state to state. Occasional Driver: The person who is not the primary or principal driver of the vehicle. Peril: The cause of loss or damage. Personal Property Insurance: Protects against the loss of, or damage to property other than real property (real estate) caused by specific perils. Policy Expiration Date: The date when your current insurance policy expires. This date can be found on your current policy, Declaration (or "DEC") page, insurance identification card or recent cancellation notice. This date is not to be confused with the date of your next payment or when your renewal payment is due. Policy Term: The length of time that the policy is in force. Usually 6 months or a year. Primary Residence: The place where you will reside for the majority of your policy term. If you are a homeowner who does not reside in the home you own, please choose the "rent" or "other" option. Primary Use: What your vehicle is mainly used for: To/From Work If you use your vehicle to commute to and from your work and/or school. Business If your vehicle is used for one or all of the following: used to make sales calls used as vehicle for business trips to bank or post office, picking up supplies, going to different locations owned or leased by a partnership or corporation that have a business listed as and additional interest on the car Farm If your vehicle is used primarily on a farm, ranch or orchard Pleasure No others apply Policy: The written forms that make up the insurance contract between an insured and insurer. A policy includes the terms and conditions of the coverage, the perils insured or excluded, etc. Policy Declarations: The part of the insurance contract that lists basic underwriting information, including the insured's name, address and description of insured locations as well as policy limits. Policy Limits: The maximum amount an insured may collect or for which an insured is protected, under the terms of the policy. Policyholder: The person who buys insurance. Policyowner: An individual with an ownership interest in an insurance policy. Policy Period: The amount of time an insurance contract or policy lasts. Premium: The price for insurance coverage as described in the insurance policy for a specific period of time. Principal Driver: The person who drives the car most often. Proof of Loss: A sworn statement that usually must be furnished by the insured to an insurer before any loss under a policy may be paid. Property Damage Liability Coverage: Pays when an insured person is legally liable for damage to the property of others caused by your vehicle or your operation of most non-owned vehicles. This coverage also pays for your legal defense costs if you are sued. Reimbursement: The payment of an amount of money by an insurance policy for a covered loss that was initially paid by the insured or a third party. Reinstatement: The process by which a insurance company puts back in force a policy that has lapsed or has been canceled for nonpayment of premium. Riders: An addition to an insurance policy that becomes a part of the contract. Risk: The possibility or chance of loss or injury. Second Named Insured: The named insured or listed agent on a policy may request to designate any other person listed on the policy as a "second named insured". The second named insured has the same coverage under the policy as the named insured. Settlement: An agreement between a claimant to an insurance policy and the insurance company regarding the amount and method of a claim or benefit payment. Theft Limit (or Inside Policy Limits): The highest amount an insurance company will pay on certain items of personal property. For instance, some policies have a $5,000 limit for computers. Underwriting: The process of reviewing applications for coverage. Applications that are accepted are then classified by the underwriter according to the type and degree of risk. Uninsured Motorist Coverage: Coverage that pays for covered damage for bodily injury that an uninsured motorist is legally liable but unable to pay. VIN: The vehicle identification number (VIN) on your vehicle. This number is usually found on the dashboard of your vehicle on the driver's side, and is usually listed on the vehicle registration and title. The VIN number is a combination of letters and numbers 17 characters in length that can be used to identify the make, model, and year of your car.