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April 17, 2010     Posted in: Financing & Insurance, Personal

Protect Your Investment and You!

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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!

Comments


1 Comment by Clarence Sanders on November 22, 2013 at 12:10 pm

I read your article about insuring a wheelchair accessible vehicle. We have a van with a BraunMobility lowered floor conversion, with hand controls and 6-way power seats for disabled driver to drive. We also have a 6-way power seat on the passenger side of vehicle since my wife and I are both paraplegics in wheelchairs. We really want to know that we have our vehicle properly insured and we are not overpaying. The monthly cost seems high to us, but we thought it had to do with the total cost of everything, but if we had a total-loss accident and they paid out ACV based on comparables of vehicles they found in other states we would be at a loss based on past experience with a total-loss claim. Please advise what you think is reasonable and what we should expect.with a 2011 Toyota Sienna, base cost $32000 and a BraunMobility lowered floor conversion, and other mobility equipment worth about $35000. Thank you in advance for your cooperation.

Comment by Clarence Sanders on November 22, 2013 at 12:10 pm

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