Insuring Handicap Vans and Wheelchair Accessible Vehicles

Wheelchair Van and Handicap Vehicle Insurance

Insuring a handicap accessible vehicle is somewhat like buying insurance for a traditional vehicle. There a two major things you want to be sure of as you shop for wheelchair accessible vehicle or handicap van insurance:

-Know what kind of handicap vehicle you have.

-Make sure your agent or insurance company knows what you have and what it cost.

It really does not matter whether you shop online for insurance or have an agent. Just be sure they are asking a lot of questions about exactly what kind of mobility vehicle you have. Make sure they know it is a disabled access vehicle. Make sure they know the upfront cost of the vehicle. Make sure your agent knows how much your loan is for--if you financed the handicap vehicle.

Ask a lot of questions. What happens if you get in an accident? Do they provide rentals (specifically wheelchair van rentals)? Will they pay the replacement cost or just the present value.

Whatever you do, make sure they are not only selling you insurance on the vehicle itself (ie, Dodge Grand Caravan), but also enough to cover the handicap vehicle conversion, too. Otherwise you might find out that your insurance company is unwilling to pay the difference.