Tag Archives: wheelchair 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.

How to Afford a Used Wheelchair Accessible Vehicle New England

Among people with disabilities, especially wheelchair users, one of the most talked about subjects is the price of a wheelchair accessible vehicle. A shiny new van can be out of range for many consumers on fixed incomes. But a used wheelchair van could be a possibility.

Let’s take a look at some concerns people may have:

Used vehicles have too much mileage on them.

Many used vehicles don’t have much mileage and the mobility equipment may be hardly used.

How much does a used accessible van with a ramp or lift cost?

A wheelchair accessible van less than 3 years old could start at $30,000—or thousands more. A gently used, older wheelchair van can be converted to save even more.

An older vehicle won’t last much longer.

A vehicle properly taken care of can last for decades. For added peace of mind, contact a mobility dealer who sells used wheelchair accessible vehicles and has decades of experience.

A used vehicle probably won’t have the equipment I want.

You want an in-floor ramp but you can only find fold-outs. If the price is right, you may be able to have the desired equipment installed after the sale. Do your research up front.

How can I qualify for a vehicle loan?

  • Talk to your VMi New England mobility dealer—they know the organizations, non-profits, state and federal agencies and charities that will help in financing in your area.
  • If you are a Veteran, you may be eligible for a credit towards a wheelchair accessible vehicle. For more information go to VMi New England
  • Start saving! If you get an income tax refund, put it in a special savings account.
  • Ask your family and friends to forgo gifts and donate towards your vehicle fund.

Above all, contact a mobility expert like the ones at VMi New England. They will work hand-in-hand with you on areas like what is right for you, financing options, rates, terms, manufacturer offers, incentives and benefits.

VMi New England is an advocate for mobility and accessibility for drivers with disabilities. If you need help with converting or buying a handicap accessible car, truck or van, please consider one of our adapted wheelchair vans.

Don’t Let Your Vehicle Get Rusty! Schedule An Appointment Today!

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.

The best time to prevent rust damage to your vehicle is in Autumn: before the first snowflake falls and Spring: after thae first heavy rain fall; a little vehicle maintenance will help keep the rust away.

Prevent
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, but our rust prevention processes, product, plan and application has been found to be most effective. Our rust proofing is ever evolving and has been for over the past 26 years.

  • Our rust proofing formula does more than just cover the metal required, we apply it as a high-pressured spray, ensuring protection to your handicap accessible vehicle’s most critical areas by penetrating, displacing existing moisture and protecting the many vulnerable crevices of your automobile.

Service and Repair for Wheelchair Accessible Vehicles and/or Accessible Ramp/Lift?

Are you having trouble with your wheelchair van, ramp van, braun ability van, vantage mobility van, eldorado, amerivan, ricon lift, braun lift, grey market van, ams Legend, Edge, Edge II, Freedom, FR ?

No Worries We Can Fix It!

Even if you have had other Toyota dealer, Dodge dealer, Ford dealer, Honda dealer or a different adaptive mobility equipment dealer try and fix it. Call us, we can help.

Almost all wheelchair van and lift problems can be attributed to three main things. I would like to talk a little about each one and what you can do to be proactive in preventing problems that could stop your lift from operating.?

Reason Number 1: Operator Error. It may not be P.C. to bring it up, but many issues are caused by the user hurrying, not taking the proper precautions, or simply attempting to operate the van or lift in a situation it is not designed for. Let me expand on this a little.

We all know the obvious things an operator can do wrong. Lowering a lift on to extremely uneven ground or folding a platform into a van door that is not fully opened, if you have manual doors. The things that you need to think about are the issues that aren’t so obvious, but can still cause damage. Things like making sure you fully fold the platform when you are putting it in the stowed position. A lot of times people tend to release the fold switch too soon because the lift makes excessive noise when it cinches tight. Far from being a problem, that noise is a good thing What you’re hearing is the electric actuator “ratcheting,” which tells you that the lift is fully stowed and will not rattle as much while you’re driving. A tightly stowed platform will prevent certain lift components from wearing out prematurely, so be sure to keep the fold button pressed!

Another not-so-obvious issue is to make sure the outer roll stop deploys fully before you exit the platform. Think about it. If you are in a hurry and the roll stop is not completely down on the ground, your weight when rolling off of it is going to put excessive stress on those parts and you could cause problems that are easily avoidable. Even if the tip of the roll stop is up just a little bit, take the time to lower it completely before you exit the platform.?

Reason Number 2: Lack of Maintenance. Maintenance, maintenance, maintenance – I can’t say those words enough! Your dealer should set up a maintenance program for you and your lift should be in their shop for a regular check up at least twice a year. Every lift built after 2005 has a cycle counter on it that will tell us the total number of times you’ve used your lift, and all lifts should be maintained every 750 cycles. This is a short point. All you need to know is that if you don’t maintain your lift, something will eventually stop working!

Reason Number 3: Broken Parts. No matter what the product, we’ve all encountered that unexpected broken part that seems to go bad for no apparent reason. This actually represents a small percentage of wheelchair lift failures, and it can usually be avoided if the van or lift is maintained on a regular basis (see reason #2 above!). A typical situation might be a wiring harness that gets cut by component. This type of issue rarely happens out-of-the-blue, and with routine maintenance your dealer should be able to see the problem starting to occur and fix it before it gets worse.

That about sums it up The bottom line is that a properly operated and maintained wheelchair van or lift should give you years of reliable service. Read your manual and work closely with Automotive Innovations to make sure your lift is ready to go whenever you are. If you have any questions or are having an issue with your wheelchair van or lift feel free to call us at 508-697-6006.

How To Make Your Wheelchair Van More Affordable

A wheelchair van can provide a little freedom for a person with a disAbility or someone caring for a loved one with mobility limitations. It’s hard to put a price on the freedom these vehicles can provide, however the fact remains that vans, conversions and specialized equipment all come with some costs. Fortunately, there are a number of ways that make these vehicles more affordable and get you one step closer to driving independence.

Search for Used Vans
Finding a used wheelchair accessible van in good condition might sound like a dream, but it is far from impossible. With a little research and some patience, you might be able to find a vehicle that works for your needs, at a discounted price. Many mobility dealerships take used vans as trade-ins for resale and some manufacturers will even install brand new wheelchair conversions in the pre-owned vehicles. Certain dealerships also sell rental vans that have been retired after a year of use. While a used van can be a great deal, it’s important to still consult with a qualified mobility equipment dealer, as these vehicles might not have the exact equipment to fit your needs.

Update Your Current Van
If your vehicle is still in relatively good condition but needs a few adjustments to make it more accessible for you and your loved ones, an update could be an affordable alternative to purchasing a new van. Talk to your local mobility dealer about updating your adaptive equipment and you could be on your way to saving a few thousand dollars!

Contact Local Organizations
If you need extra help funding a new handicap vehicle, a local chapter or organization working to help those with your particular disabilities might be able to help. While these groups might not be able to provide a large amount of money to fund your vehicle purchase, they might be able to provide you with helpful community resources or at least help coordinate fundraising activities.