Insurance is both a critical and expensive aspect of car ownership. Wheelchair vans and vehicles equipped with mobility aids can add some additional nuances that must be considered. However, the answers to two of the most common questions are relatively straightforward.
Does it cost more to insure a wheelchair van?
No. Insuring a wheelchair van or handicapped-accessible vehicle should not cost more than insuring a similar-class, similar-value vehicle. The right to equal insurance is required by the Americans with Disabilities Act (ADA). Most wheelchair vans or handicap accessible vehicle purchases will be more expensive because of the additional handicap conversion and equipment costs. Therefore, the insurance cost may be higher overall as well.
It there anything special I need to do when I insure my wheelchair van?
You will definitely want to be sure that you inform your insurance agent about the additional conversion and mobility equipment on your vehicle, as well as your driving status and the total price of your handicap van. You will want to be sure to that you are insured for the full value of your investment.
Can I get insurance on my wheelchair van even if I don’t drive it?
Yes. You can own and insure a vehicle even if you are no longer driving. For those individuals who receive care from family members or other services, this is especially helpful. For these types of insurance policies, the primary drivers’ must be specifically identified on the policy. In addition, it is important to note that the primary drivers’ and their driving records will be evaluated to establish your premium cost.
In general, insurance will work the same way on your handicap accessible vehicle as it would on a regular vehicle. If you are certain to provide accurate information to your insurance agent and purchase enough coverage for adequate protection, your insurance will be there should you need it!