An auto insurance company is normally allowed to ask questions about risk factors that could affect the insurance policy they would be offering the person. There are certain medical conditions and medications that can impair your driving abilities and thus be a risk factor to an insurance carrier.

In Ohio to get a driver's license from the Bureau of Motor Vehicles (BMV) you must answer questions concerning your physical health and any medical conditions you might have. If you have a condition that might affect your driving, the examiner will explain the steps you have to take and provide you with a medical packet (form BMV 2058) which must be filled out by your doctor.

Most states have a questionnaire regarding medical conditions. For example in New Mexico drivers who have epilepsy, diabetes, adverse heart conditions and other medical problems are required to send the Motor Vehicle Division periodic medical statements signed by their physicians.

The OH Department of Insurance states that you cannot be discriminated against by an auto insurance company because of your race, national origin, beliefs or a physical handicap that does not impair your driving ability. Since certain heart conditions, epilepsy, diabetic conditions and medications may impair a person's operation of a vehicle there are questions regarding a driver's medical history that are usually allowable.

The Ohio Bureau of Civil Rights (BCR) deals questions regarding the Americans with Disabilities Act (ADA). So if you have issues regarding medical questions put forward by an insurance application or questionnaire and want to know if they fall under the ADA you can contact this state agency.