Hi, my name is Frannels! I am blind, and want to be able to use my powerchair with a white cane

Hi There, hope everyone is well.  I am blind, and want to be able to use my powerchair with a white cane.  However, my bf informs me that if I were to jaccidentally bump into someone's car for example, that person could sue me, even if I was to get insurance and tell them of my disability the chances are that they would not insure me.  If I diIf i didn't tell them about my disability and something happens they would declare the policy null and void because I should have told them about my disability.  As stated, I am completely blblind but also have problems walking.  Surely I should also have some rights under the law?