Tag Archives: wheelchair van

How Car Insurance Fees Can Be Lowered For Handicapped Drivers

One common misconception about car insurance is that handicapped drivers pay more for coverage than non-handicapped drivers. This simply is not true. Federal law prevents car insurance companies from discriminating against handicapped drivers due to their disabilities. Many states have additional laws on the books, and even if car insurance companies were allowed to discriminate, they would likely discriminate in favor of handicapped drivers; statistically speaking, they are more careful than non-handicapped drivers and much less likely to be involved in accidents. Nevertheless, handicapped drivers need the lowest possible rates on car insurance just as much as all other drivers, and it is worthwhile to know a few ways that they can cut their car insurance fees.

Handicapped drivers should first look for safety discounts because this is one of the fastest ways to change premium rates without adjusting the coverage levels. Many car insurance companies offer safety discounts for any drivers who have vehicles with special safety features like side airbags and anti-lock brakes. You can find out whether your car insurance company offers these discounts by studying your policy contract or simply by calling your car insurance agent and asking about available options. If your car is already outfitted with safety features, you are wasting money by not asking for discounts, and if your car is not outfitted, you might look into having some low-cost safety measures installed to keep your car insurance fees low. Ask whether modifications that you have made to a car for your handicap qualify for discounts; even something like oversized mirrors can often have a positive effect on premiums. Other discounts will apply to handicapped drivers who take road safety courses, students, and even drivers who have simply kept their insurance coverage up for a specified length of time. The key is to ask-you will often be surprised at how quickly your car insurance fees will drop.

Online car insurance websites can also help handicapped drivers to find lower rates. Reputable websites will not ask about a driver’s handicap or even inquire as to the handicap status of the driver. Instead, car insurance websites will ask questions about your vehicle and driving record to determine how much of an insurance risk that you pose, and this information will be submitted to car insurance companies in order to return a few quotes. These websites make it easy to look at your insurance options, which in turn, can help a driver to find a better policy than what he or she currently has. Always take the time to compare car insurance quotes. Handicapped drivers and all other drivers can benefit from this, as it is the best possible way to keep rates down.

How Honda Wheelchair Van Insurance Really Works

Leave a reply

If your ever in a accident in your wheelchair van and have insurance questions or need your to have repairs made contact the experts at the Mobility Center in Bridgewater, MA with your questions 508-697-6006

We all know that we need to carry insurance on our Honda wheelchair vans. We understand that it’s a legal requirement and we recognize the value of being properly insured in case of an accident. Most of us are not insurance experts, though. In fact, some aspects of vehicle insurance confuse many of us. Let’s look at how wheelchair van insurance really works.

What Are You Buying?
When you insure your Odyssey or Element, what are you actually buying? “Insurance” actually consists of many different elements. Your policy may or may not have provisions covering all of them. They include:

Bodily Injury Liability: This covers you if your Honda hurts or kills someone in an accident.
Comprehensive: This covers damage to your Honda from non-accident sources like weather and vandalism.
Property Damage Liability: This is legally required everywhere. It’s the portion of your insurance that covers damage to the other party’s vehicle after an accident.
Collision: This covers damage to your Honda if it’s involved in an accident.
Medical Payment: This provides coverage for you and/or your passengers for medical expenses related to an accident.
Uninsured Motorist: If someone who doesn’t have insurance injures you, this will cover you.

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.

What Determines Your Rates?
How do insurance companies decide how much to charge you for that coverage? They look at a variety of factors.

Your actual vehicle is an important part of the puzzle. The value of your Odyssey or Element will have an impact on the price of your policy, because the cost of covering replacement and repair vary based upon the vehicle.

There’s more to it than that, though. Insurance companies also look at the vehicle type to help determine how likely you will be to utilize your insurance coverage. That’s why it’s cheaper to insure an Odyssey than an Element–minivans tend to have fewer significant claims than do small SUVs.

You can also expect the modifications you’ve made to your Honda wheelchair van to influence policy pricing. You may be an excellent driver, but the fact that modified vehicles tend to be involved in a relatively high number of claims is reason enough for insurance companies to increase premiums on wheelchair vans, in most cases.

You are part of the pricing equation, too. Your personal driving record, age, gender and any license restrictions you may have will influence the price of insurance. Non-driving related factors such as home ownership, credit rating, and where you live will also influence pricing. Insurance companies look at multiple variables to determine your probable level of risk.

Finally, the policy limits and coverage you select will influence your insurance pricing. If you’re only purchasing the minimum requirement of liability insurance in an effort to “stay legal,” you’ll spend a lot less than you would for full coverage with all available protections.

Purchasing insurance is always a process of balancing the best possible coverage with affordability. The levels of coverage you need and the amount you can spend will, obviously, vary based on a series of individual factors. The most important thing to remember is to be certain you have adequate coverage to meet both the legal requirements and your personal needs.

You’ll also want to consider insuring your mobility aids, vehicle modifications and equipment. Most vehicle policies will cover your Odyssey or Element, but they won’t cover your lift or ramp. They’ll replace your bumper if you get in an accident, but they won’t necessarily pay to fix your low-effort steering system if it’s damaged.

Insuring a Honda wheelchair van isn’t really a complicated procedure. When you understand the different kinds of coverage and how rates are set, the process is even easier to understand.

Wheelchair Van Fundraiser

Leave a reply

Keep Newey Mobile Campaign

The Keep Newey Mobile Campaign is a fundraising effort for Josh Newey of Bridgewater, MA. This was created to raise funds to replace his current mobility van; a rusty and unreliable ’99 Caravan with 210,000 miles! We welcome your participation through online donations, or by attending our event.

Make a donation towards Josh’s new wheelchair accessible van here!

The next event for the Keep Newey Mobile Campaign is a Craft and Vendor Fair organized by the Bridgewater Community Lions Cub which is being held at our Mobility Center!

Bridgewater Lions Club

Start your holiday shopping a little early and help support The Keep Newey Mobile Campaign! All proceeds go toward a new wheelchair accessible van for Josh!

When:
Saturday, October 19, 2013
10 AM -3 PM

Where:
VMi New England Mobility Center
1000 Main Street
Bridgewater, MA

Vendors:
Silpada, Tastefully Simple, Mary Kay, Lia Sophia, Thirty- One, Pampered Chef, and Scentsy. There will also be various crafters.

Keep Newey Mobile!

Leave a reply

Join us at our Mobility Center this Saturday to help Keep Newey Mobile

This event – a Craft and Vendor Fair – is being held by the Bridgewater Community Lions Club to benefit the Keep Newey Mobile Campaign.

The Keep Newey Mobile Campaign is a fundraising effort for Josh Newey of Bridgewater, MA. This was created to raise funds to replace his current mobility van; a rusty and unreliable ’99 Caravan with 210,000 miles! We welcome your participation by attending this event, and/or through online donations.

When:
Saturday, October 19, 2013
10 AM -3 PM

Where:
VMi New England Mobility Center
1000 Main Street
Bridgewater, MA

Vendors:
Silpada, Tastefully Simple, Mary Kay, Lia Sophia, Thirty- One, Pampered Chef, and Scentsy.
There will also be various crafters.

_________________________________________________

Josh’s Story

Growing up in a rural town in western Massachusetts, Josh always loved adventure and the outdoors. He was an active member of the Boy Scouts and a motorsports enthusiast. Josh couldn’t get enough of go-karts, snowmobiles, dirt-bikes, radio controlled toys, tractors, trucks, and anything else with a motor! Some of Josh’s favorite projects as a child and teen included rebuilding small engines and restoring snowmobiles. Josh attended a vocational-agricultural high school and was planning a career in equipment operation, maintenance and repair.

January 11th 1997 is the day Josh describes as the “best and worst day of his life”. Josh was 19 years old and in northern Vermont doing one of his favorite activities, snowmobiling with friends. As nighttime approached and the weather turned poor, visibility was low. Unfamiliar with the trails, and trying to maintain pace with the others in the group Josh came to a bend in the trail and was not able to make the turn quickly enough. He went off the trail and his head collided with a tree branch, breaking his neck and compromising his spinal cord. Josh also suffered a severe compound leg fracture. Josh’s accident was far out in the woods and although he never lost consciousness, it was only because of exhausting efforts by some of the others he was riding with that his life was saved. They knocked on doors seeking a phone to call for emergency help while others stayed behind to stabilize Josh. With the help of good Samaritan locals using a ladder as a backboard, he was carried to the back of a pickup truck, and transported to a location where an ambulance could finally take him to the hospital.

After being diagnosed with a C5/6 incomplete spinal cord injury (SCI), Josh was left a quadriplegic. He has paralysis from the chest down, with limited use of his arms and hands. He spent 4 months in acute rehabilitation learning to care for himself, transfer to and from his wheelchair, and how to embrace this new lifestyle. He moved to the South Shore of MA to live with his father so he could be closer to the medical resources he needed including outpatient therapy. The next several years were spent striving towards living an independent life again. After 3 years and some generous donations, Josh was physically as well as financially ready to drive again with the use of an accessible van and hand controls. The very same van we’re trying to replace with this campaign. (After 13 years & 206,000 miles it has served him well but it is used up!)

Josh attended Bridgewater State College and graduated in 2005 with a bachelor’s degree in Communications. He was a member of the Peer Leadership Program, the Public Relations Student Society of America, and he managed the swim team. He later returned to school for a post-baccalaureate certificate in Graphic and Web Design.

Today, 36-year-old Josh lives on his own in Bridgewater MA., works part-time as a marketing specialist, and strives to lead an active, healthy lifestyle. He is completely independent and a social creature by nature. Josh enjoys live music, traveling, visiting with friends and family, and anything related to motorsports!

Josh is an amazing human being who has overcome so many obstacles while maintaining a positive, upbeat attitude. He takes every day as it comes and his favorite expression is “Let the Good Times Roll”.

Prepare Your Mobility Equipment For the Colder Weather

Leave a reply

Cold temperatures not only slow wheelchair users down, but can also slow down their vans and accessible equipment. For example, if you use a hydraulic wheelchair lift, you may have noticed that the colder the weather, the slower the lift reacts. The cold thickens the fluid, making it move slower through hoses, valves and cylinders.

There’s not much you can do about that, but preparing other equipment for cold weather is important to help avoid accidents and breakdowns.

If you live in the New England area · call our Mobility Center today (508) 697-8324 · We’ll rust proof your wheelchair accessible vehicle, give you an oil change, tune-up, and/or semi-annual ramp/lift service and have any other accessible equipment checked before the temperature dips. If you ask we can also check your battery, antifreeze level, heater, brakes, defroster and thermostat.

Do It Yourself:

Purchase winter wiper blades that cut through snow and ice.
Keep the gas tank at least half full. It reduces condensation and makes your vehicle easier to start on cold mornings.
Buy tires that have MS, M+S, M/S or M&S on them, meaning they meet the Rubber Manufacturers Association guidelines and can bite through mud and snow.
For better traction and control, rotate tires so the best ones are in the front.
Get an electric engine block heater. It warms the engine so the motor can start. It connects to normal AC power overnight or before driving. In extremely cold climates, electrical outlets are sometimes found in public or private parking lots.
Cold weather is tough on accessible van batteries. Buy one with greater starting power, higher cold cranking amps and reserve capacity for energy when the engine isn’t running.
Use synthetic oil to make starting a cold engine easier.

Before you drive:

Keep rock salt on hand to melt ice off walkways for a safer wheelchair ride.
Clean the snow off the roof and hood so it doesn’t “avalanche” onto the windshield and block your vision.
Clear the head and tail lights for best visibility.
Scrape the ice off mirrors and windows.

················································

Here at VMi New England Mobility Center and Automotive Innovations we’ll service and repair your wheelchair accessible vehicle and/or equipment even if you didn’t buy it from us! So bring us your mobility van no matter the year (old or new), chassis (Honda, Dodge, Toyota, Ford, Chrysler, excreta..), or conversion (Side Entry, Rear Entry, VMI, Braun, Ricon, Rampvan, Elorado, Amerivan, excreta..)!!