Car Insurance for Wheelchair-Adapted Vehicles

Do you have a vehicle that’s adapted for wheelchair use in Aurora? In addition to making sure the vehicle works properly for you or your person with a disability, having the correct car insurance for wheelchair-adapted vehicles is essential when you make changes to your vehicle in Lakewood and beyond. Our guide to disability car insurance and handicap vehicle insurance can help you as you shop for the right policy. The team at Mobility of Denver near Englewood is happy to help you navigate this type of vehicle purchase.

How Does Vehicle Adapting Your Van Change the Insurance Policy?

Legally, an auto insurance company cannot charge larger premiums with car insurance for wheelchair-adapted vehicles. The major aspect of auto insurance is that it covers the value of the vehicle. Newer vehicles likely have higher insurance premiums. However, your disability classification can make insurance premiums go up or down, depending on how much risk the auto insurance company determines you are as a driver.

What Does Disability Car Insurance Cover?

Handicap vehicle insurance works like many other auto insurance policies. You can purchase a policy that covers collisions and liability as well as comprehensive policies. Your coverage amount starts with the minimum according to your state’s laws.

One thing you do want to cover with your car insurance for wheelchair-adapted vehicles is the equipment for the upgrade. An auto insurance policy won’t cover the cost of the upgrade. However, it will cover the cost of replacing the adaptive equipment and even your wheelchair if these items become damaged due to a collision or other event covered in the policy. This might be called van conversion insurance coverage, also known as custom parts and equipment (CPE) coverage, so ask your insurance provider about that. This can replace the hand controls and hydraulics or ramps for your adapted vehicle.

What Do I Need to Tell My Auto Insurance Company?

It’s best to be honest with your auto insurance company when looking for handicap vehicle insurance. Let me know about the true extent of your driving abilities and what conditions you have. Another thing to tell them is the exact equipment installed in your vehicle.

What Other Insurance Policies Should I Have with Disability Car Insurance?

The average cost of a new vehicle with adaptive equipment is $80,000. So consider having comprehensive and collision insurance to make sure the policy covers the full value of the vehicle. Sometimes, minimum coverage simply can’t deliver for your situation if there is a serious accident.

Another item to consider is personal injury or medical payment coverage. Some states might require this as a minimum part of your coverage in order to get license plates.

Peace of Mind for Your Adapted Vehicle in Denver

Has your adapted vehicle been in an accident? Our collision and body shop stands ready to assist you. Do you have questions about insurance for your adapted vehicle? Contact us or call (844) 289-2635 to talk to our finance center. We’d be happy to help in any way we can.

We also have a wide range of new and used vehicles with mobility adaptations on our lot. Our service center can install your chosen conversion equipment.