Tag Archives: accessible

How To Properly Insure Your Accessible Wheelchair Van

Everyone understands that it’s a legal requirement to have their vehicles insured and recognizes the value of being properly insured in case of an accident. But, most people are not insurance experts. In fact, some aspects of vehicle insurance confuse many people.


In order to keep your accessible van as safe as you can make sure you’re protecting it with the right types of commercial auto insurance. Here are the primary types of insurance you’ll need:

Liability Insurance

Liability insurance is normally required by law in all parts of the United States. This coverage is designed to protect other people from suffering losses that are caused when your wheelchair van causes an auto accident. Liability insurance primarily focuses on two coverage areas: Bodily injuries and Property Damages.

  • Bodily Injury – This section of your liability insurance policy helps pay for any injuries inflicted on other people from an auto accident. If your mobility van causes, or is found to be at fault for, an auto accident that causes people to get physically hurt, the bodily injury portion of your coverage pays for their medical expenses. When an injured person must be transported to the hospital for example, your bodily injury coverage can pay for the ambulatory bills and expenses. It also pays for the emergency room care, doctor’s visits, prescription medications, physical therapy, rehabilitation and other medical bills that are caused due to the auto accident. Bodily injury also pays for a person’s lost wages when they must miss work due to recovery times, and it pays for pain and suffering of the victims. When a person is killed in an auto accident, your bodily injury insurance can pay their funeral expenses as well.
  • Property Damage – When a vehicle or other property sustains damages from an auto accident that was caused by your handicap van, the property damages portion of your liability insurance will pay for the cost of repairs.

Liability insurance can provide your wheelchair van with protection at varying levels, based on the amount of coverage you select. You can choose a standard split level policy or a combined single limit policy as well.

A split limit policy sets maximum benefit limits on two separate portions of an auto accident claim. Split limit policies will pay no more than the set limit per person for bodily injuries but no more than the total combined limit for all bodily injuries in an accident. It will also pay a separate maximum for property damages. Example: A liability split limit policy of $15,000/$50,000/$35,000 explains a specific payment maximum per accident. No more than $15,000 will be paid for any individual person’s bodily injuries in one accident; no more than $50,000 will be paid for the combined total of bodily injuries; and $35,000 is the maximum amount the policy will pay for property damages.

If you elect a single combined limit liability policy instead, there is no separate maximum limit defined for bodily injuries or property damages. There is just one maximum overall payout for the policy for each accident. A $50,000 combined single limit liability policy for example, would pay a maximum of $50,000 in damages per accident regardless of whether the damages were to people or property.

Medical Payments

Medical payments insurance is important coverage for a wheelchair van, because it pays medical related expenses that arise for your van driver and any passengers who were riding in the vehicle at the time of the accident. Coverage is for paying medical and related bills, such as ambulance transport, hospital care and follow up treatments. This insurance protects your driver and passengers without regard to who causes an auto accident. It is not available in all areas however, so be sure to contact one of your licensed representatives to determine if it’s an option for your policy.

Physical Damage Insurance

Physical damages insurance protects your wheelchair accessible vehicle itself. And it protects your you from having to pay the bills when the van is damaged or destroyed. This insurance is extremely important for you  if you still have an outstanding unpaid finance loan because it provides you with the most protection possible. There are three types of physical damages insurance protection:

  • Comprehensive Physical Damage Protection – Comprehensive damages protects you from a number of potential risks, perils and hazards. It does not protect against damages and losses caused by a collision or caused when your van overturns. It does however, protect against losses and damages caused by theft, break ins, vandalism and natural events. If your van is damaged due to a tree falling on it in a storm for example, your comprehensive damage protection coverage will pay for the repairs.
  • Collision Protection – Collision protection is specifically designed to pay for damages and destruction that are caused by a collision or by a roll over event. If your van has a blowout and overturns for example, your collision damage protection will pay for the repairs. If the van backs into a building while trying to access a wheelchair ramp, the collision damage protection pays for those repairs as well.
  • Specified Peril (CAC) – Pecified Peril coverage is also known as Fire and Theft with Combined Additional Coverage. This does not protect you against collision or roll over events. Instead, it protects you from just those perils that are specified on your insurance policy.

Uninsured or Underinsured Motorist

If your van is involved in an auto accident with another vehicle and that other vehicle was the cause for the accident, their liability insurance is supposed to pay for your bodily injuries and property damages. If the other driver does not carry insurance however, or if they do not carry enough coverage to pay all of the resulting bills, they are considered uninsured or underinsured. You can purchase protection against these risks with an uninsured or underinsured motorist policy. When the other driver is at fault but unable to pay for all of your damages, your policy will pick up the difference. This policy works much like your Liability policy.

  • Bodily Injury – As covered with Liability Insurance.
  • Property Damage – As covered with Liability Insurance.
  • Collision Deductible Waiver (CDW) – When you carry an uninsured or underinsured motorist bodily injury policy on your wheelchair van, you can qualify for a collision deductible waiver (CDW). The CDW makes it so that you do not have to pay your standard insurance deductible when you make an uninsured or underinsured motorist accident claim.

Other Important Commercial Auto Insurance for Wheelchair Vans

  • Special Equipment Coverage – This type of coverage covers every aspect of vehicle adaptation including mobility equipment such as a lift, ramp, lowered floor, kneeling systems, a lock-down system, or any other added adaptive driving equipment (hand controls and left foot accelerators).
  • Rental – If your van is unusable due to an auto accident, rental insurance can pay for the cost of a temporary replacement.
  • Towing – Towing insurance pays for the cost of towing your accessible vehicle from the scene of an accident when it is badly damaged.
  • Accessories – Accessories insurance protects you from losses associated with extra devices you may have installed on your van. A wheelchair van taxi may have a mileage meter installed for example, and a communications radio to keep them in contact with their dispatcher.

** The limits of your coverage and your deductibles for each element of your policy will vary based upon what you’ve purchased from your insurance company.

Side Entry Versus Rear Entry Wheelchair Vans

The question of a Rear Entry wheelchair van versus a Side Entry van often comes up in conversation when a first time buyer enters the accessible van market. There are several things to consider; first, the family or care giver needs to decide on where the wheelchair user is going to sit. If the person in the wheelchair is able to drive and will be independent there are other things to consider, but for now, let us stay with an assisted member of the family.

Door height is an issue. For that we need to know how tall the person sits in their wheelchair.

Scooter or Power chair is next. Size and weight combination will come into play as we move along in the discovery process.

Will the person transfer into a  seat or will they remain in their wheelchair while traveling?

Okay, now we get into seating. The side entry offers both mid-section and front seat options with tie-downs located throughout. In a rear entry van, the mid-section to rear of the vehicle, are the only seating options while remaining in the wheelchair.

There are five passenger seats available for family members in a side entry van versus six available seats in a rear entry. Both are in addition to whoever is in the wheelchair, which gives a total of six people in a side entry and up to seven in a rear entry.

For folks with a long wheelchair or scooter the rear entry is ideal. Over six feet of space is afforded to tie down the wheelchair and no turning to forward face is necessary.

A side entry requires up to eight feet accommodating the lowering of the ramp allowing access into your van. This may prohibit the use of the ramp while inside a garage or if someone parks to close while at the mall or a doctor’s appointment.

The rear entry does not have the blocked in problem, you are always accessing your van from the aisle.

In summation, like anything else, it is best to try before you buy. Our Mobility Center has both styles of wheelchair vans. See which style suits your lifestyle and then consider the purchase of either a new or used mobility equipped van. Always consult with your mobility product specialist for any additional questions you may have.

Used Wheelchair Accessible Vehicles

The used market for wheelchair accessible vehicles has grown in the past few years. This growing popularity seems to suggest that this solution works. In some cases, it does; however, buying a used wheelchair accessible vehicle is not like buying a new car. If you are are interested in purchasing a used vehicle, remember these key points.

  • It must meet your mobility needs
    All wheelchair accessible vehicles are different. Ramp width, door clearance, and interior height will vary between vehicles which will affect whether or not the vehicle will work for your needs. Previously installed aftermarket additions, such as hand controls and securment devices, will have to be removed or replaced considering they were put in for the previous owner. Before you you start your search you should know your exact needs. Be aware that this may narrow your options significantly.
  • Getting your current vehicle fitted with a ramp or lift
    It’s possible to convert a minivan you already own and make it accessible, as long as it meets the requirements set by your mobility dealer. Before doing so, you will need to know which accessible ramp or lift style works best for you and your family.
  • Buying online
    eBay Motors and Craigslist are increasingly popular options for buying vehicles online. An increasing number of wheelchair accessible vehicles are listed on these two sites. While the prices may be tempting, this option can be risky if it’s not being sold by a trusted resource (such as a Mobility Center). Ramps are complex pieces of machinery. Without a specially trained mechanic looking it over, it can be very hard to know if a person is selling a good vehicle. We do not recommend this option because it can lead to numerous issues.
  • Used vehicles from a dealership
    While mobility dealers are specifically trained to help you meet all your mobility needs, most still operate like conventional dealers. Customers sometimes trade-in their old vehicles for credit towards a new vehicle, leaving the dealership with a used vehicle. While not every dealership has a used vehicle inventory, some have good options to work with.

Home accessibility

Whether it’s an unexpected injury or a birth condition, a temporary disAbility or something you’ve been dealing with your entire life, a physical limitation can make all the difference in how a person completes his/her everyday tasks. Something as simple as entering and exiting your home can become challenging if your home has not been properly assessed and made accessible for those with disAbilities. In order to make sure your home is as welcoming and as accessible as possible, we encourage you follow these tips for transforming your habitat.

Entry Ramps and Lifts
From one step to one flight, stairs are a difficult hurdle and hazardous to a person living with a disAbility. Entry ramps or wheelchair lifts can be permanent or portable solutions for homes in need of becoming wheelchair accessible, providing ease of access into the house. Entry ramps prove to be especially beneficial when carrying heavy luggage, groceries or moving furniture. Aside from allowing a wheelchair user to easily enter and exit the building, ramps offer convenience to guests wheeling strollers or using walkers.

Handrails and Support Bars
Installing handrails and support bars along staircases, bathtubs, toilets and other areas where a person with a disAbility may struggle without them is an easy way to make your home more accessible. Make sure handrails following staircases extend beyond the first and last steps, providing maximum support. You can also purchase floor-to-ceiling poles and install them at various locations throughout the home. Placing these poles adjacent to couches ease in day-to-day movement through the space. They are designed to aid those with disAbilities in standing, sitting or transferring to/from a wheelchair.

Mind Your Floors
Cluttered hallways, loose rugs and high thresholds can be a danger to someone trying to maneuver through the building in a wheelchair. Try to keep your traffic areas free from unnecessary decorations such as side tables and rugs that cannot be secured to the floor. Plush carpets may also prove to be a hindrance for someone with a disAbility, so use hardwood or tiled floors wherever possible. Additionally, you can purchase flat thresholds at hardware stores, which make transferring from carpeted to non-carpeted areas less of a hazard.

Benefits of Owning an Wheelchair Accessible Vehicle

Safety
Safety is a universal concern for people with disAbilities and their caregivers. Many caregivers experience chronic back and joint pain from years of wheelchair lifts. And far too often there are stories of people fearful of loading and unloading their wheelchairs. Mobility vehicles are designed with a dedication to safety. Not only do ramp systems remove the liability, wear and tear and exhaustion of a lift, but brands like VMI adhere to the safety standards and qualifications of original equipment manufacturers like Honda, Toyota, Chrysler and Dodge.

A vehicle conversion from a company like VMI must maintain and provide the same safety ratings, post-conversion, as it did when the original model was created. That means collision safety and design is held to a very high standard. So there’s simply no reason to risk your personal safety or the livelihood of your passengers in an outdated vehicle.

Independence
If the daunting process of wheelchair lifts and transports kept you from leaving home in the past or the frustration of coordinating shuttles and third party transportation limits your lifestyle, look no further.

Mobility vehicles empower opportunity and independence. Frankly, when transportation is a possibility  rather than a limitation, the world gets a whole lot larger. Independent wheelchair users with reliable mobility vehicles hold the power to call the shots on their own life. They can drive where they need to, how they want to, when they want to. A mobility vehicle isn’t just a mechanism to take you from point A to B; A mobility vehicle is an entryway to possibility.

Increased Space and Flexibility
Most modern mobility vehicles feature side-entry and front door benefits which allow an array of seating arrangements and interior flexibility. With such added space, nearly any wheelchair — even power chairs — can fit in the cabin while still leaving room for the rest of the family.

Vehicles such as VMI’s Toyota Sienna Access360 have been engineered to promote a full range of motion and maneuverability for power chairs inside the vehicle, eliminating the need to hastily rearrange and remove seats for transports. Obstruction-free doorways and head clearance also pave the way for an enjoyable transition to and from the vehicle.

Simplicity and Ease-of-Use
Whether you are a caregiver or an independent wheelchair user, mobility vehicles have practical answers.

Through the addition of manual ramp systems and automated, in-floor ramp technology, transportation doesn’t have to remain a daily hassle.  Life often throws bigger dilemmas our way. Mobility vehicles make sure transportation isn’t one of those.

The Northstar E by VMI is a great example of a vehicle that was engineered with simplicity and ease-of-use at the forefront of its design. Caregivers can easily remove the vehicle’s ramp system without physical strain or contemplation. The process is intuitive and quick. Loading and unloading a van can be easily accomplished in a matter of minutes without sacrificing time or energy for the caregiver and loved one.

Mobility vehicles can even be outfitted with aftermarket additions such as remote start and keyless entry to  further simplify the transportation situation for independent wheelchair users and caregivers.