Tag Archives: mobility van

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.

Beginner’s Tips: Searching for the Right Wheelchair Van

If you’re a first-time buyer looking to purchase a wheelchair accessible vehicle things might seem a little overwhelming at first. You most likely have some questions and concerns when starting out, and that’s fine. We have several mobility vehicle experts/dealers and resources available to help you along the way.

Still, there’s never any harm in getting informed before you step onto your first lot as you look for a handicap van that meets your needs. Being equipped with information when you start looking for a mobility van will help you make a well-informed decision. It will also help you better express to us exactly what you are looking for.

There are a few basic pieces of information that can help you make your decision and learn more about accessible vans. Before heading out to shop around, there are some things you can to do prepare for your search.

  • Think about the options and features you are going to need in order to travel comfortably and without any hassle. This will give you a better idea of what sort of van you need while also giving a glimpse of what sort of price range you might be looking at.
  • Consider whether or not you’ll routinely have passengers such as family and friends and the room they might need.
  • Be realistic about the budget you have to work with. There is no sense in making another headache later on with a vehicle payment you can’t afford.

In addition to these tips, there are also several ways you can make the process easier outside of home. First and foremost, you could talk with one of our mobility consultants/experts to find out about benefits and features available to you in regards to whatever disability you may have.

We will let you try out a van before any money is put down. Take advantage of this opportunity to find out more about certain features and options that may suit your needs. Most of all, make sure you can ride comfortably.

Wheelchair Van Conversion Styles: In-Floor Ramp Vs. Fold-out Ramp

There are several wheelchair accessible van conversion styles you’ll want to consider when choosing the right mobility solution for you. One decision you’ll have to make is to choose between an In-Floor wheelchair van ramp and a Fold-Out wheelchair accessible ramp.

In-Floor Vs. Fold-Up Wheelchair Ramps
Another important consideration to make is whether you’d prefer a fold-up or an in-floor wheelchair ramp in your handicap van. As their name implies, fold-up ramps fold in half and stow upright, next to the side passenger door. On the other hand, in-floor ramps slide into a pocket underneath the vehicle’s floor. People who opt for in-floor ramps prefer the ramp out of the way of the passenger entrance. Typically, fold-up ramps tend to be less expensive and easier to maintain, and they present a lower ramp angle. In-floor and fold-up wheelchair ramps are available in a wide range of handicap minivan conversions.

Wheelchair Van Conversion Styles: Side-Entry Vs. Rear-Entry

There are several wheelchair accessible van conversion styles you’ll want to consider when choosing the right mobility solution for you. One decision you’ll have to make is to choose between a side-entry wheelchair van and a rear-entry wheelchair accessible van.

Side-Entry Vs. Rear-Entry Wheelchair Vans
One of the most important choices you’ll make in selecting a handicap accessible wheelchair van is side entry versus rear entry. Your choice will impact such things as the wheelchair seating positions, your ability to accommodate other passengers, and parking options. Side-entry wheelchair vans represent the majority of the market—over 75% for most personal use vehicles. However, rear-entry wheelchair vans are also gaining in popularity as more products become available. Here is a look at some key points you’ll want to be aware of.

Style Side-entry wheelchair minivans Rear-entry wheelchair minivans
  • Enter and exit safely onto curbside away from traffic
  • Drive from a wheelchair or sit in the front passenger position in a wheelchair or driver position
  • More choices available
  • More storage space
  • Park in any parking space—no extra room required for ramp (excluding parallel parking)
  • Side passenger doors aren’t blocked by a ramp
  • Mid-passenger seats can be mounted next to the wheelchair position
  • Great for long wheelchairs/leg rests
  • Less expensive conversion
  • More ground clearance
Important options
  • Power ramp and doors
  • Power kneeling system
  • In-floor ramp or fold-up ramp (some ramps are manual)
  • Power ramp and doors
  • Power kneeling system
  • Driver swivel seats available
  • Manual conversion available
  • Requires handicap parking space/extra room for ramp deployment
  • Some driveways aren’t wide enough to accommodate a van
  • Must exit and enter from traffic area
  • It is not possible to drive from the wheelchair and/or having the wheelchair in the front passenger position
  • Less storage space available
Conversion price $19,000-$25,000*
*Cost of conversion only (vehicle cost is additional).
*Cost of conversion only (vehicle cost is additional).

Tips For Buying A Wheelchair Accessible Vehicle

You’re a first time wheelchair van buyer, and like many other customers have questions about handicap vans, or how or where they are built, and what kind of prices to expect. This portion of our website will assist you to find answers to your questions and provide creative mobility product solutions. We encourage you to gather as much information as possible, but the best education of needs and options is done through a consultation with a Mobility Consultant. Our staff knows the inside and out of Adaptive Equipment and can custom fit and recommend the perfect wheelchair accessible vehicle transportation for friends, family, and most importantly you!

There are many different options and possibilities with handicap accessible vehicles; the most common option is a wheelchair accessible minivan. A wheelchair accessible van is modified to allow a wheelchair or scooter user to drive their mobility equipment directly into the handicap accessible vehicle with no assistance. Featuring a 10-11″ dropped floor for easy entry and exist (with headroom up to 58″!) and removable front seats that allow the user to ride safely in the front passenger area or even drive from their wheelchair.


  • Create a list of features you want and need, so you can accurately access the cost differences.
  • Take into consideration how you’re going to transport the whole family.
  • Consider the adaptive equipment that needs to be transported. Will it change over time?
  • What is the age of the user and caregivers?
  • Have a budget. Check with a Mobility Consultant to obtain all information including 10-year financing options and rebates available.
  • Talk with a Certified Mobility Consultant to explain features and benefits, and guide you through the wheelchair van conversion buying process.
  • Purchasing your new or used wheelchair van from Ability Center provides a piece-of-mind because we are a Certified Mobility Dealer that is part of NMEDA and is QAP certified.
  • Rent and try before you buy. Ability Center will apply your handicap van rental costs to the purchase of a new or previously-owned handicap accessible vehicle.
  • Buy for today, and tomorrow! It’s a big investment that should last you many years.


  • Do you convert the mobility vans there? No. Vans with new ramp conversions are converted in three locations: Indiana, Michigan, and Arizona. We obtain them complete. We install external or internal lifts, and any adaptive equipment necessary to custom fit the driver to their van.
  • What vans are being converted? Currently, the manufacturers are converting the Dodge/Chrysler minivans, Toyota Sienna, Honda Odyssey Chevrolet/Buick minivans, and Ford E-Series vans & Transit Connects.
  • I want to carry two wheelchairs. Can I? Most handicap van conversions make carrying two wheelchairs a breeze, but that depends on the style of chair or scooter. Talk to our Mobility Specialist they’ll know what will work for you.
  • I can’t make it down to your store. Can you come out? Yes. We love in-home demonstrations. It gives you the chance to have your whole family there and try the new or used handicap van in your own environment. Just pick a van, and we’ll bring it out to you at no-charge.
  • How do I secure my wheelchair? Depending on the model, there are several ways to secure your equipment. Three typical ways are: 4-piont manual strapping system that comes with every van; optional 4-point retractable straps; and the EZ-Lock bracket system. Please check with your Mobility Specialist to see if a bracket designed for your equipment. There are some popular wheelchairs on the market that do not have a bracket.
  • I want to save more money. What do you have? Besides taking advantage of any and all rebates out there, consider a manual ramp version or the very popular used van with a new conversion. A pre-owned conversion van may be the way to go if you are considering a budget. You can save thousands on a pre-owned van.
  • Why is the price set the way it is? The final price is a combined cost of the van AND the mobility conversion. What will determine the overall price is what you want out of the van and options (i.e.: Toyota Sienna Limited versus Dodge Grand Caravan SE). The conversions are priced very closely and do not generally affect overall price.
  • Can I trade in my non-converted vehicle? YES! Bring it by and we’ll give you the best deal on non-converted or converted vehicles. We’ll take the stress out of selling the vehicle on the market.
  • Can I try the van first? Absolutely you can test drive the vehicle to see if it going to work for you and your family!
  • I want to buy my van at the dealer; they’ve been nice to me. Depending on the manufacturer and conversion, that could be done. You will not take physical possession of the van, but your relationship with them will be continued. Before you do, talk to our Mobility Specialists and they’ll let you know if that van can be purchased through your favorite dealer. We have a great working relationship with most dealers, so we know how to work with the auto dealers in your town.
  • Do you offer financing for handicap vans? Yes. We work with banks that finance mobility vans up to 10 years, or on terms that fit your needs. Our rates are comparable to what is on the market.
  • Can I use my own bank? Certainly. But be cautious, you must let them know that it is a van converted for wheelchair access. Some private or national banks will not finance the total cost of the mobility van, and only finance up to 120% of the value of the van prior to conversion. Call your Mobility Specialist before you go to your bank, it may be helpful to assist you with your bank by letting them know of your intentions.
  • Does Medicare pay for vans? No. Due to Medicare guidelines and policy the vehicle conversion is a “deluxe item” only to be used outside the home, for which that equipment Medicare does not deem “medically necessary.”
  • Who will assist with funds for me? Depending on where you live, your state could have funds set aside for financial assistance. These funds are available upon application and approval of your case and if the state has funds available. Sometimes this can take up to 6 months or longer. Call our Mobility Specialist; they will know where to direct you to start the process.
  • I am a disabled Veteran. How do I obtain a mobility van? If the VA has provided you with a wheelchair or scooter, you are entitled to a lift for your existing vehicle or a mobility conversion to transport that equipment. Depending on your diagnosis or if your disability is service connected or not, either will be provided. Call us; we’ll work with your local VA to help you start the process. We are very experienced with Veterans policy and procedures.
  • Can I convert my own van? The handicap vans we offer are complete, but you could convert your own. This is a very rare circumstance, but if it absolutely needs to be done your vehicle needs to fit the manufacturer’s criteria for converting a customer-owned van. In just about all cases, because of the time and additional expenses, it is more beneficial and cost effective to the customer to purchase a van post-converted to take advantage of rebates. Conversions cannot be financed on their own.