In case you are wondering if car insurance works differently for accessible vehicles, you are not alone. Luckily, we’re here to offer some tips on the process.
If you are a driver with a disability, the focus of your insurance is substantially similar to that of standard car insurance; accidents. The protection afforded to your wheelchair van mainly varies according to the coverage you select.
Points to Note
The only stipulation needed to drive in public is that you can drive safely, regardless of disability; and if you passed your driver’s test, then the state considers it safe for you to drive. Before looking at premiums, it helps to know what insurance companies base those premiums on.
Insurance companies are not allowed to base their premiums on a driver’s disability. They do, however; base their premiums on several other factors, including the following.
- Risk analysis – Moody’s Risk Analysis is a tool some companies use to measure the level of risk among drivers and determine insurance rates.
- Credit history – This helps companies determine whether the driver can pay their premiums on time while also estimate the likelihood of the driver dropping their policy.
- Driving record – Your driving record is vital for determining your risk while on the road.
- Marriage status – Your marital status might be another factor insurance companies look at while determining your rates.
- Age – On average, people aged between 18 and 25 often have high rates, so if you are within this age bracket, don’t be surprised if your rates are a bit high.
- Criminal record – Some companies might run a criminal background if they feel it necessary.
The best thing to do when getting insurance for your accessible vehicle is to research and compare options, and consult insurance representatives. It is not necessary for you to share your disability, but doing so gives them more information about your current status and might enable them to recommend better quotes for you.According to the Americans with Disabilities Act enacted in 1990, it is illegal for anyone to discriminate in any way, against persons with disabilities; this includes car insurance companies that charge higher rates due to disabilities. Click To Tweet
When applying for insurance, be sure to disclose your vehicle’s modifications because different types of changes can differently affect your rates. Be sure you get coverage for the adaptive equipment so it’s covered in case of an accident.
It is crucial that you request the details regarding the coverage you intend to apply for. When applying, also try to be as thorough as possible and ask all the questions, including the following.
- Possibility of disability discounts
- Possibility of special rates for veterans, if applicable
- Company’s definition of vehicle modification
- Details of the coverage offered
- Possible additional coverage provided and the costs
Tips for the Best Insurance
- Look into the minimum requirements for your state.
- Keep your financial situation in mind; get a premium that is affordable and one that gives you adequate coverage.
- Review your driving record.
- If you have coverage already, look at how much you are paying and what is covered.
- Make a list of companies that interests you and get quotes from their websites or representatives.
- Contact them for further details about the coverage they offer.
- Ask about possible discounts and consider using the same company to combine coverage on multiple items (home, boat, etc.).
- Evaluate their reliability; read reviews, visit the website of your state’s insurance department. You could also talk to friends and family.
- After the last step, you probably have a shorter list; make one final review and pick the policy best for you.
- If you were previously covered, don’t forget to cancel your old policy.
Hopefully, this article has been helpful and will make getting insurance for your wheelchair van a lot less stressful. For more on accessible vehicles, feel free to visit our website.