How Car Insurance Works for Wheelchair-Accessible Vehicles

car insurance paperwork with car key
 

Anyone thinking about converting their vehicle for wheelchair-accessible use or picking up a pre-converted handicap vehicle for sale will naturally start thinking about wheelchair van insurance. In most ways, this works just like regular car insurance, but we’ve put together a quick overview of some basics you should take into consideration. Learn more about how car insurance works for wheelchair-accessible vehicles with us, below!


Wheelchair Van Insurance: the Basics

You might assume that car insurance works differently for wheelchair vans, but that’s not quite true. Whether you have a disability or not, car insurance looks at the same thing: accidents.

Essentially, wheelchair van insurance can provide you and your vehicle with protection at various levels — it really depends on how much collision and comprehensive coverage you select. It’s best to talk things through with your insurance company to find out exactly what’s covered. What’s available will also likely vary by state, giving you different options in Los Angeles, CA vs. Orlando, FL. 

For example, while your car insurance likely won’t pay for the initial conversion of your vehicle, it should cover the cost of conversion repair or replacement if the car is totaled or damaged by a natural disaster. However, situations outside of accidents are unlikely to be covered. You might want to think about speaking with various insurance companies for vans to find out which providers can give additional coverage for something not specifically covered by your primary policy. Conveniently enough, most of the major auto insurance companies also offer van conversion insurance, so it shouldn’t be too difficult to find a viable solution.

How Should You Go About Getting Van Insurance for a Converted Vehicle?

When you’re looking for auto insurance coverage for your wheelchair-accessible vehicle, make sure you follow these tips to secure a good deal and protect yourself in the future.

  • Be Honest: When you’re applying for the van insurance policy, make sure you disclose all modifications made to the vehicle. Different types of changes can affect your insurance rates in different ways.
  • Get Van Conversion Insurance Coverage for Equipment: Make sure all handicapped equipment — including wheelchairs — is covered by your insurance.
  • Provide Disability Classification: Disclose your specific disability to ensure there are no doubts about your level of risk while driving.
  • Get All the Details: If you have a question, ask it. Getting all the information means finding the best coverage and being able to adequately compare different types of insurance to make an educated final decision.

Connect With Freedom Motors USA for Additional Help

If you have any lingering questions about how car insurance works for wheelchair-accessible vehicles, the team at Freedom Motors USA would be glad to provide one-on-one assistance. Contact us to start a conversation today, and for more helpful information, be sure to check out our online car-buying tips hub

Still shopping around for wheelchair vans for sale before you can select a van conversion insurance policy? In addition to our vast side entry and rear entry inventories, Freedom Motors USA can help you find financing that works. Whether you’re in Dallas, TX or New York, NY, you can apply for credit online to get started today!

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