Insuring Your Wheelchair Accessible Vehicle

Posted On: 06/17/2022

The information below is not to be taken as legal or professional advice, contact your insurance agent with questions about your insurance needs.  

Insurance for Your Wheelchair Van

Having the proper insurance coverage for your wheelchair van will save you money, time, and hassle. It must all cover the cost to replace all components for your wheelchair van.  Additional items to insure include hand controls, transfer seats, power tie downs, steering modifications, and the ramp type. Your existing insurance company can offer you this insurance, but you will need to disclose to them that you need to cover the cost of all mobility equipment that is installed in your vehicle. When insuring your vehicle, you will need to provide your vehicle's 17-digit VIN which will generate its unconverted replacement value.  You will then need to provide documentation of the installed mobility equipment from your mobility dealer which will help both you and your agent understand the dollar amount of coverage you need to be protected from a loss. 

Insurance for Hand Controls, Transfer Seats, Power Tie Downs

Options added to your wheelchair van are expensive to purchase and expensive to replace.  Having them insured on your auto insurance is recommended and is easy to do.  Inform your insurance agent of the items added to your vehicle and have them add the dollar amount you paid for the equipment to the current insurance coverage amount.  Provide invoices and brochures of the equipment added so both parties are understanding exactly what needs to be replaced if you are in an accident. 

Is Wheelchair Van Insurance More Expensive?

Yes, but you are insuring much more than the vehicle itself. Here is an example:

  • You purchase a New Chrysler Pacifica Wheelchair Van and pay $41,500* for the chassis and $29,500* for your BraunAbility in floor conversion. You also need hand controls installed ($1,250*) and a transfer seat installed ($4,200*).  The total you paid for your modified vehicle would be $76,450.* 
  • If you simply gave your insurance agent the required 17-digit VIN for the vehicle you would automatically have coverage for the $41,500* and not the actual purchase/replacement cost of the other mobility equipment which totals $34,950.* Therefore, you want to include $34,950* of additional coverage to your wheelchair van insurance so everything is covered and able to be replaced. 
  • If an accident occurs and you only have vehicle coverage for the $41,500* you will be responsible for the remaining $34,950.* In this case the cost would be way more than adding the extra monthly coverage for the $34,950.* So be sure to inform your insurance agent of the added mobility equipment and the dollar amount so you can be fully protected. 

*The price figures used above are for example only, prices may vary widely depending on your specific mobility equipment and market conditions. 

Please note that the information covered above should not be taken as legal or professional advice, please contact your insurance agent to learn more about what levels of insurance will properly insulate you from risk. 

Author Information

Katie Cummings
Mobility Blogger

My professional background stems from non-profit marketing and fundraising for a large children’s cancer hospital. Every day I was able to make connections and relationships for kids and their families going through devastating times. From securing small donations to large corporate support, it was all about providing hope that one day doctors and researchers would find a cure. It was truly an honor to be a part of something so important.

Just this past year, I came to work alongside my family for, a website dedicated to offering the latest information and resources for people needing mobility products. This was a dream come true for me as I have always wanted to combine more time with my family while still helping others. Our family has been in the mobility industry for over 35 years with the goal of enhancing the quality of life for people with mobility issues. This is the spirit behind BLVD and what I am most excited about sharing in my blog.

I love meeting new people and have found that volunteering is the best way to learn more about others and myself. Coffee keeps me going as do walks my pup "Kirby" and most of all being with family and friends. I invite you to check out my blog to learn more about how "together we can move through life better!"

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