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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.

Why a Toyota should be your next wheelchair van if you live in New England

Toyota offers some of the best options on the market when it comes to wheelchair accessible vans.  Each van offers comfort, reliability, and reasonable pricing for its conversion.   Choosing a new wheelchair van isn’t always as easy as choosing a traditional car.  There isn’t a particular one-size-fits-all van that covers every need or preference. As you make your choice, keep in mind a few practical reasons to choose an accessible Toyota.

why a toyota should be your next wheelchair van if you live in new england

why a toyota should be your next wheelchair van if you live in new england


Toyota’s wheelchair accessible minivan is a modified version of the Toyota Sienna and is the most popular Toyota vehicle that is converted for accessibility.  Overall, it’s an easy vehicle for the major wheelchair accessible vehicle manufacturers to convert. Toyota currently produces five different models of the Sienna that are available for modification:

  • Sienna L- the L model is the most basic model of Sienna.  It includes all the standard features and will often be the lowest priced model.
  • Sienna LE- the LE is still a fairly basic model but includes a rear-view camera and enhanced climate controls.
  • Sienna SE- Sienna SE is a mid-level option that offers enhanced navigation displays, rear-view cameras, and cross-traffic controls for ease and maneuverability.
  • Sienna XLE- Sienna XLE is outfitted with leather-trimmed driver and front passenger seats.  It also features a blind spot monitor and a power lift gate with jam guard.
  • Sienna Limited- The Sienna Limited is the final and most luxurious model of Sienna.  The Limited features many of the standard and upgraded features of the other models while offering more extras like a JBL sound system, driver and passenger leather- trimmed seats, and a dual moon roof.

Any one of these models of the Sienna can be easily modified to accommodate your specific needs.  Budgetary constraints and your individual situation will play a major part in which model you decide to purchase.  Once you’ve made that decision, VMi New England Bridgewater, MA Mobility Center will help you find a Toyota wheelchair van that combines Toyota’s infamous quality with comfort and accessibility.


Toyota’s wheelchair accessible vans don’t start out being adapted for accessibility.  These vans start as traditional vehicles without any modifications before being converted to accommodate individuals with disabilities.  Toyota relies on certified wheelchair conversion manufacturers, such as VMI, to fit the vehicles with lowered floors, kneeling systems, ramps, and more.

why a toyota should be your next wheelchair van if you live in new england

why a toyota should be your next wheelchair van Bridgewater, MA Mobility Center

After the initial conversion is made the vehicle is sent to our Bridgewater, MA Mobility center where we can make even more adaptations to your vehicles. Mobility seating, hand controls, and pedal extensions are all available and fit beautifully inside the modified Toyota Sienna. There are even products that allow users to control the vehicle by pressing a few key buttons or by simply flipping a switch on the vehicle.

2013 Toyota Sienna VMI Summit Silver VMi New England

2013 Toyota Sienna XLE VMI Summit Silver VMi New England

Though the middle row of seats is removed to accommodate a wheelchair, there are still plenty of options to satisfy your needs. Both front seats can be removed to allow the wheelchair user to ride up front and there is a full bench seat in the back for children or guests. There is also a large trunk to accommodate groceries or additional supplies.

Safety locks and straps are installed into the floor of the van to keep wheelchair passengers in place and prevent any excess movement during transit.  The lowered floors help to compensate for a wheelchair passenger’s added height.  There are countless additional features and add-ons, so it is clear that the Toyota Sienna’s adaptability and flexibility are two key factors that make it a good choice for an accessible vehicle.

2013 Toyota Sienna VMI Summit Silver VMi New England Mobility Center

2013 Toyota Sienna VMI Summit Silver VMi New England Mobility Center


When it comes to the Sienna, you’ll be hard pressed to find a vehicle as stylish. This Toyota is available in a rainbow of colors from a vibrant cherry red to a subtle sage green. Its sleek exterior is curvier and more modern than that of some types of minivans.

The interior is stunning, and the more customizations you make, the more personal and warm the vehicle feels. Its spaciousness accommodates passengers for a ride to the store or a road trip to Disney World with the same comfort and style you’d get from a luxury vehicle. If you’re looking for an accessible vehicle that is practical and attractive, be sure to consider the Toyota Sienna for its superior style.


Why Choose a Toyota?

A Toyota Sienna with a VMI Northstar 360 is one of best wheelchair accessible vans on the market. The variety of options means there’s really one for everyone. It’s able to be adapted with ease and features many options to suit all your needs. And, to top it all off, it’s a beautiful vehicle that will provide its purchaser’s with a long life and a lot of fun. It has, without a doubt, cemented its place as a top-rated accessible van that will retain its value and perform under the most rigorous conditions.  If the Toyota Sienna fits what you’re looking for in an accessible van, then come take it for a spin! Contact VMi New England today to schedule a test drive by filling out our online contact form or by giving us a call at 508-697-6006.

mobility concept vehicles for wheelchair drivers

“To get something you never had, you have to do something you’ve never done.” ~Unknown

dodge wheelchair driver and passenger concept vehicles
Were going to change the world one person at a time
Join the revolution
Do you want a 4×4 wheelchair vehicle you can drive?
We have built 4×4 accessible vehicles going all the way back to the 80’s
Want a 4×4 SUV you can drive your wheelchair from?
Want a Ford Explorer SUV that is a wheelchair accessible vehicle?
We can and will build you a concept vehicle you can drive from a wheelchair.
 'Courage is fear holding on a minute longer.'    - -George S. Patton
‘Courage is fear holding on a minute longer.’    – -George S. Patton

One definition of resilience is “the ability to cope with shocks and keep functioning in a satisfying way”. Resilience is about the self organizing capacity of systems. This means the ability to bounce back after disaster, or the ability to transform if a bad stage has happened. Both of these forms of resilience seem relevant to explore in our times, especially in relation to Assistive Driving Technology for Wheelchair Drivers.

Vmi New England and Automotive Innovations as a company is aware of this challenge and has been working on cutting edge wheelchair driving technology since the 80’s

automotive mobility concept vehicle systems
Vmi New England and Automotive Innovations is leading in its study of ever evolving automotive wheelchair driving systems.

wheelchair driver and passenger concept vehicles

Ford wheelchair driver and passenger concept vehicles

The way we see it, everyone has a fundamental need to have there own personal transportation, to access anything they need like, clean water, food, fibres and many other goods and services.

For future human development it is essential to understand the contribution each person can make to human livelihoods, health, security and culture if given the chance.

wheelchair driver and passenger concept vehicles

wheelchair driver and passenger concept vehicles

Resilience thinking is part of the solution, as it thrives at building flexibility and adaptive capacity. People and nature are interdependent. That means, we have to look for collaboration within society to find resilient solutions.

Interdependence between people and nature.


Exploring the missing links in our imagination
Solutions to find new possibilities in the Assistive Driving Technology require creativity.

Creativity is the answer to missing links in our imagination, at least according to Jim Sanders. They have found a unique way to explore the relationship between current automotive designs, people and technology.
A safe operating vehicle for people in wheelchairs
“In the face of ever evolving change in transportation needs, we need to work together to find safe mobility solutions for humanity. The key is in creative mobility solutions that connect nature with people. Flexible and adaptive strategies will bring us further. By stretching our imagination, we will start to explore the unknown. And by always looking for new combinations of technology, and common sense, we will find the new solutions.” Jim Sanders 2013

Sometimes even the smallest shift in thinking or doing can create the biggest changes in someones lifecan you save trust for a rainy day?necessity is the mother of invention


driven by the freedom of the choice  to explore the worlds future possibilities

 VMi New England Mobility Center and Automotive Innovations is one of America’s best providers of wheelchair vans, vehicle modifications, and adaptive equipment including hand controls, wheelchair and scooter lifts, ramps, raised doors, lowered floors and specialized gas, brake and steering controls. With hundreds of accessible vehicles available to be custom built for your specific needs, from the industries best manufacturers such as VMI, Eldorado and Braun, at our New England mobility center.   Founded in 1984 and offering the best equipped mobility facility in New England with a unparalleled commitment to offering a broad selection of specialized vehicles and services to meet the needs of every customer. Our facility is also Quality Assurance Program (QAP) certified (first in Massachusetts) through the National Mobility Equipment Dealers Association (NMEDA), resulting in Automotive Innovations being held to the highest standards in the vehicle modification industry.   We have a strong and committed Veteran sales staff with many decades of experience satisfying our customers’ needs. Feel free to browse our inventory online, visit our huge indoor showroom where every day is a ability expo, request more information about vehicles, set up a test drive or inquire about financing!   Feel free to call upon our friendly Mobility Consultants with any questions you may have about options on wheelchair vans or any of our other products. 508-697-6006We look forward to exceeding your expectations for decades to come!
concept |ˈkänˌsept|nounan abstract idea; a general notion: structuralism is a difficult concept | the concept of justice.• a plan or intention; a conception: the center has kept firmly to its original concept.• an idea or invention to help sell or publicize a commodity: a new concept in corporate hospitality.• Philosophy an idea or mental picture of a group or class of objects formed by combining all their aspects.• [ as modifier ] (of a car or other vehicle) produced as an experimental model to test the viability of new design features.ORIGIN mid 16th cent. (in the sense ‘thought, frame of mind, imagination’): from Latinconceptum ‘something conceived,’ from concept-‘conceived,’ from concipere (see conceive) .
exceed |ikˈsēd|verb [ with obj. ]be greater in number or size than (a quantity, number, or other measurable thing): production costs have exceeded $60,000.• go beyond what is allowed or stipulated by (a set limit, esp. of one’s authority): the Tribunal’s decision clearly exceeds its powers under the statute.• be better than; surpass: catalog sales have exceeded expectations.mobilitynoun1 elderly people may become socially isolated as a result ofrestricted mobility: ability to move, movability,moveableness, motility, vigour, strength, potency.2 the gleeful mobility of Billy’s face: expressiveness,eloquence, animation.3 the mobility of the product: transportability,portability, manoeuvrability.4 an increasing mobility in the workforce: adaptability,flexibility, versatility, adjustability.
freedom |ˈfrēdəm|nounthe power or right to act, speak, or think as one wants without hindrance or restraint: we do have some freedom of choice | he talks of revoking some of the freedoms.• absence of subjection to foreign domination or despotic government: he was a champion of Irish freedom.• the state of not being imprisoned or enslaved: the shark thrashed its way to freedom.• the state of being physically unrestricted and able to move easily: the shorts have a side split for freedom of movement.• (freedom from) the state of not being subject to or affected by (a particular undesirable thing):government policies to achieve freedom from want.• the power of self-determination attributed to the will; the quality of being independent of fate or necessity.• unrestricted use of something: the dog is happy having the freedom of the house when we are out.• archaic familiarity or openness in speech or behavior.