The procurement of handicap vehicle is a costly affair. The modified vehicles and their parts are highly priced and are a long term investment for the disabled people who purchased them. Hence, insuring them against any kind of damage is the first priority of the buyer. The insurance companies have many policies for the disabled people to purchase. These policies along with regular coverage also provide additional protection.
How do the insurance companies work?
The insurance companies have special policies for the disabled people through which they can get their handicap vehicle covered. The companies do not charge the higher premium rates due to disability but the charges are the same. Before making the policies the companies sends their representative in order to understand the nature of disability of a person and to inspect the handicap vehicle, thus getting online quotes might be a difficulty.
People with disability should talk to different insurance companies and get different quotes for comparing before the final buy. The companies along with the general vehicle insurance also offer insurance of the mobility assisted equipment.
Insurance coverage
The insurance companies provide a detailed policy through which the disabled people and his mobility aided vehicle is covered. Few areas that are covered by the policy are:
• Damage or loss of a modified part; the companies provide protection for replacing or only the damaged or lost part. The mobility assisted equipment are insured separately due to their high costs. And each can be changed or repaired against their valuation amount.
• The policies also insure a person against theft cases and the damages caused by accidents. In accidental cases the policy not only covers the repairs and replacement of the vehicle but also covers the medical expanses of an individual.
• Third party liability is also covered under the policies. The third party damages include injuries to another person or damage of property.
Additional coverage
Other than the regular insurance protections, the insurance policy for the disabled also provide protection against front windscreen replacement or the full replacement charge of the vehicle within two years of its registration against damages or theft cases. For the same amount of premium for a policy, the no claim bonus discount is higher. The insurance policies cover up to certain amount of the market value of a modification part needed for the vehicle. The valuations of the different driving aided equipment are done separately. In cases of theft or accidents, the companies also cover the conveyance fares.
Limitations
The insurance policy of wheelchair accessible vehicles does not provide protection from reckless driving or drinking and driving cases. They also do not provide services for manhandling of the car or for extra modifications, if any, made after the contract policy is signed. Insurance policies of the vehicles have to be renewed every year, if the policy lapses than one will not get no claim bonus and has to get his vehicle inspected by a representative
Contact :
Contact Person: Mo Abusham
E-mail: [email protected]
BETTER LIFE MOBILITY CENTERS
Address: 8130 Parkway Dr.La Mesa, CA 91942
Tel/Fax: 888 540 8267
Website: https://www.betterlifemobility.com/