Tag Archives: mobility equipment

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.

Holiday Travel Preparation

With the holidays only a few short weeks away, it’s time to get plans for family visits and end of year trips finalized before the busy season is in full swing. Traveling with a disability that requires mobility equipment can quickly become a stressful task if proper accommodations have not been made in advance.  Preparing ahead of time can save you some headaches when it is time to board your plane. Here are some things to keep in mind when planning your upcoming vacations:

  • Be sure to inform your airline if you or someone you are traveling with uses a wheelchair, mobility equipment or will need to bring medical equipment onto the aircraft.
  • Ensure you have refilled prescriptions for any medications you may need throughout the duration of your trip.
  • If you need to rent a car, make these arrangements in advance to guarantee a handicap accessible vehicle.
  • If possible, bring any tools you might need in case you experience any issues with your wheelchair. If you have replacement parts, it might be a good idea to bring these along as well.
  • If your wheelchair must be checked for your flight, make sure to tag it as you would the rest of your luggage. Include your name and contact details, as well as those of your hotel or wherever else you may be staying.
  • Staying somewhere other than home can be a challenge so make sure your hotel or other arrangements are accessible by wheelchair (if necessary) and can otherwise accommodate you.
  • Plan to arrive at the airport as early as possible to ensure you have plenty of time to make your way through security and finalize any special accommodations you might require for your mobility equipment.
  • When booking your flights, know that passengers requiring a wheelchair are generally the first to board and last to leave the plane, meaning that connecting flights with short layovers may become difficult.

Despite having to take select special measures, those living with disabilities should not be apprehensive to fly or travel. Airlines have become more and more accommodating and understanding, making this the perfect time to book a vacation and get back in touch with faraway friends and family.

Steer Yourself In The Right Direction To Find The Perfect Wheelchair Accessible Vehicle

Purchasing or financing a wheelchair accessible vehicle takes time, money and a little bit of research. Because of the many available options when it comes to handicap vehicles, and the investment they require, knowing where to start your search is crucial and can shape the entire process. NMEDA member dealers work with individuals with disAbilities, as well as their caregivers and families, to ensure we steer you in the direction of the perfect vehicle for you. Here are a few useful tips and resources:

Go to the Pros
By going straight to a NMEDA members dealership, like ourselves, you’ll be sure that you’re getting the best possible care and attention, as well as professional service. All dealerships are required to adhere to strict quality standards under our Quality Assurance Program and, will provide you with the best solutions for your specific needs. Starting your search at a NMEDA dealer near you means you are sure you get behind the wheel of a handicap vehicle that’s right for you.

Establish Your Needs
Who will be the vehicle’s primary driver? Will you be driving from a wheelchair, transferring into the vehicle’s seat or transporting a loved one with a disability? Will you need to enter and exit the vehicle on your own or will help be nearby? Are you looking for a truck, car, minivan or a SUV? The answers to these questions can help determine what kind of adapted vehicle and equipment you need before diving into inventory listings.

Know Your Budget
We know that one of the most difficult parts of purchasing a new vehicle is making sure the cost is within your means. When it comes to finding a wheelchair accessible or adaptive vehicle, there are more options than you might realize. There are several state and government organizations in place to help get you the car you need.

Rust Treatment

Owning any type of vehicle means that you have to commit to regular service and maintenance to keep it in good condition. Owning a wheelchair van and adaptive equipment is no different – you still need regular service to keep everything operating the way it should. However, it comes with some additional caveats – you can’t just go to any service center and ensure that you’re maintaining your wheelchair van or mobility equipment correctly.

Here at our Mobility Center, not only do we understand the importance of maintaining your mobility vehicle and adaptive equipment, but we take the needed steps to ensure that everything is always in top condition. No other mobility dealer (that we know of) offers the level of maintenance offered by us.

Rust Maintenance
Vehicles today are subject to rust and corrosion due to moisture, humidity, tons of road salt and other airborne pollutants that can cause rapid deterioration of your wheelchair van. If neglected, the damages can make your mobility investment of little value.  The thousands of yearly miles, environments and exposure to the elements of larger vehicles means they are a lot more likely to suffer from the effects of corrosion. Correct rust proofing on a regular basis can ensure that your vehicle does not suffer from corrosion related vehicle downtime and keep your van from falling apart.

** We highly recommend that everyone gets their wheelchair vans rust proofed at least twice a year. Once in Spring and again in the Fall. **

If you consider that new vehicles undergo thousands of spot welds and numerous bends and folds during assembly; this process damages the automobile coating systems, exposing these panels to corrosion. Besides body-panel damage, certain mechanical parts are also at risk – suspension mounts, hood-locking mechanisms, door hinges, brake cables – which are all susceptible to the damaging effects of rust on your wheelchair van.

To protect your vehicle against corrosion our rust proofing formula does more than just cover the metal required. A rust proofing product must be applied as a high-pressured spray, ensuring protection to your vehicle’s most critical areas by penetrating, displacing existing moisture and protecting the many vulnerable crevices of your automobile.

Benefits of rust treatment
Prevention is better than a cure. There are a number of products that can offer prevention against rust. Products are available either as oils, waxes, fluids and coatings.  The range is vast. Our rust prevention processes, products, plan and application have been found to be very effective and developed over more than 25 years and still remain affordable.

We are the only mobility dealer in New England to offer this service.
Our rust proofing processes is ever evolving and has been for more than 25 years.

Everyday Mobility Aids

Having a disability can make getting around and doing everyday activities difficult. Simple things like taking a shower, going to the store or even moving around your house can be a challenge for someone with limited mobility.

Getting a wheelchair or scooter is usually the first step, but there are several other mobility aids that either work in tandem or in addition to those to help you do the things you need to do. Once you have a wheelchair or scooter, there are upgrades you can make to your home to increase wheelchair accessibility there, but those don’t necessarily give you additional mobility. If you are looking to gain better mobility both inside and outside of your house, try any of the mobility equipment options below.

Transfer Board or Slider
While going out is often a major challenge, sometimes getting around within your house may be even more difficult. Getting onto a bed from a wheelchair, for example, requires strength, time and often another person. Luckily, there are transfer boards or sliders available to help facilitate the process. Wheelchair users place one end of the board under them on their wheelchair seat and slide across to the other end, which is set on their destination.

Bath Lifts
Bath lifts help those with limited leg mobility get into the bathtub. They attach to the tub and act as a seat for the wheelchair user to transfer to when they are ready to bathe. Once the user is sitting on the lift, it swings around and lowers within the tub. When the user is ready to get out, the seat can raise back up and out, preventing dangerous slipping. Other, simpler bath accessories include bath chairs, which act more as transfer seats that extend past the tub so the wheelchair user can safely slide across and under a shower head without using too much strength.

While living with a disability may make performing certain tasks more difficult, mobility equipment is available to help ease these challenges. Check online or with a mobility equipment dealer to find out where you can get these mobility aids.

Mobility Vehicles
If you use a wheelchair and don’t have a mobility vehicle, going anywhere can be a challenge. These are more expensive than many other types of mobility equipment, but there are plenty of options — and you may even be eligible for financial assistance. If you can’t afford to purchase a vehicle of your own, many dealers also offer rentals for much less.

Steering Aids
Whether you buy a mobility vehicle or simply transfer from your wheelchair to a car seat, you may need the ability to drive. There are different steering aids available to help you do so, depending on your abilities, including:

  • Steering Attachments: Extensions, such as knobs, gloves or balls, attach to the steering wheel to make it easy for those with limited arm function to turn the wheel with one hand or arm.
  • Foot Controls: Attachments on the ground give those with limited use of their hands the ability to steer and control the vehicle with their feet.
  • Loosened Steering: Drivers without adequate upper body strength can turn the wheel without requiring much effort with a simple steering modification.
  • Automatic Controls: A driver with limited leg mobility can steer, accelerate and brake with their hands using one piece of equipment that can be mounted in the driver’s area.