Tag Archives: wheelchair vans

road sign that says are you covered

Tips on Getting the Best Insurance Coverage for Your Accessible Vehicle

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 hand holding a car in a bubble to represent car insurance

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

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. calculator, a pen and a list of numbers on a paper

Tips for the Best Insurance

Keeping this in mind, here are a few tips that will be sure to help you get the best insurance provider for your accessible vehicle.

  1. Look into the minimum requirements for your state.
  2. Keep your financial situation in mind; get a premium that is affordable and one that gives you adequate coverage.
  3. Review your driving record.
  4. If you have coverage already, look at how much you are paying and what is covered.
  5. Make a list of companies that interests you and get quotes from their websites or representatives.
  6. Contact them for further details about the coverage they offer.
  7. Ask about possible discounts and consider using the same company to combine coverage on multiple items (home, boat, etc.).
  8. Evaluate their reliability; read reviews, visit the website of your state’s insurance department. You could also talk to friends and family.
  9. After the last step, you probably have a shorter list; make one final review and pick the policy best for you.
  10. If you were previously covered, don’t forget to cancel your old policy.

Conclusion

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.

Did you know that AMS Vans now offers one year of complimentary roadside assistance (including paratransit service) with the purchase of a mobility vehicle?! Learn more!

Caring for Disability Family Events

Spinal Cord Injury Awareness Month

September is National Spinal Cord Injury Awareness Month. 17,000 new cases of Spinal Cord Injuries are documented every year in the US alone; in this country today, 200,000 people live with a spinal cord injury (SCI), and someone is paralyzed every 48 seconds.
 
48 seconds and a life is forever changed. Parents, daughters, college athletes, up and coming Marine Corps officers, co-workers, the person sitting next to you in traffic– SCI shows no partiality to where someone is in life or where they want to be headed.
 
Vehicle accidents are at the top of the list when it comes to leading causes of SCI, but other causes include: falling, sport injuries, or acts of violence.
 
In the past year, 19 customers have purchased a wheelchair van from AMS Vans due to a spinal cord injury.
 
The United Spinal Association is, however, fighting for the lives of those living with spinal cord injuries; they believe in obtaining affordable medical equipment and insurance, housing, transportation, ways that people with SCI can live independently, and numerous other benefits that can be reached through donations and awareness.
 
Of course, funds and awareness will also help fuel the big over-arching goal: medical research and scientific findings.
 
To learn more about Spinal Cord Injuries, SCI Awareness Month, and ways to get involved or donate, check out https://www.unitedspinal.org/september-is-national-spinal-cord-injury-awareness-month-2/.