Page 1 of 2 12 LastLast
Results 1 to 10 of 12

Thread: van insurance

  1. #1

    van insurance

    Hi,

    We are getting a new van on tuesday and have a question about how you insure the conversion ramp part if at all. Right now we have a 2000 dodge ram full size van with a lift type ramp that raises up. The insurance we have now is just for the van didn't figure the ramp was worth insuring as custom equipment or listing the vehicle with a stated value.

    But now we are getting a very nice van that has power door self folding out ramp (pretty excited ) etc. Do you extra insure your van and list custom equipment, or do a stated value and add the extra cost to the value of the van if it was too get damaged. Not quite sure how to go about this. Or just insure as normal not worth paying the extra $ . . . .? Insurance company personnel did not know how to answer me and a "specialist" is calling me back next week.
    Cindy Waters
    mom to Anthony, right c5, left c4 (24yo)
    injury march 2003

  2. #2
    With my insurance the conversion cost is specifically addressed as an add-on. If you are buying a new van with a conversion package, that cost should be listed in your bill of sale and used. My insurance (Liberty Mutual) will only cover the cost of the unmodified vehicle if the conversion package is not spelled out with the cost included. I don't recall how much it added to the insurance cost, but it was not a lot.
    You will find a guide to preserving shoulder function @
    http://www.rstce.pitt.edu/RSTCE_Reso...imb_Injury.pdf

    See my personal webpage @
    http://cccforum55.freehostia.com/

  3. #3
    We had my mother's van insured through AAA specifically because it would cover the conversion features in addition to the van itself. Many insurances do not do this. Shop around.

    (KLD)

  4. #4
    Senior Member TomRL's Avatar
    Join Date
    Mar 2007
    Location
    NE Ohio
    Posts
    1,094
    Blog Entries
    1
    My State Farm policy covers it as a modification.
    Tom

    "Blessed are the pessimists, for they hath made backups." Exasperated 20:12

  5. #5
    my am fam policy covered as mobility modifications
    Bike-on.com rep
    John@bike-on.com
    c4/5 inc funtioning c6. 28 yrs post.
    sponsored handcycle racer

  6. #6
    Have whomever your purchasing the van from supply you with a breakdown of the conversion for your insurance company.

    Double check the back of your policy and confirm you have insurance for the correct amount to cover the wheelchair van conversion and any other adaptive mobility equipment.

    We unfortunately see more and more people bring there van in for body work without proper coverage.

    Jim
    Jim, MA, MMET
    Bridgewater, MA

  7. #7
    I think we are going with esurance they have an option to add "custom parts". It will cover up to $4,000 in custom parts. They said any braun parts related to the ramp conversion would be covered under this option. All chrysler damage factory parts would be covered under the insurance in general.

    Or I could go with Progressive but they did not have a custom parts option, but had a stated value option but if i put a stated value at $35,000 the van/conversion total together it was too much. . . .
    Cindy Waters
    mom to Anthony, right c5, left c4 (24yo)
    injury march 2003

  8. #8
    Senior Member
    Join Date
    Feb 2004
    Location
    Ontario, Canada
    Posts
    1,219
    my van I pay to be insured at $39k value every year.... never depreciating... that way if it goes up in flames or gets totalled that'll cover conversion portions at least somewhat

  9. #9
    Senior Member TomRL's Avatar
    Join Date
    Mar 2007
    Location
    NE Ohio
    Posts
    1,094
    Blog Entries
    1
    Is $4,000 enough to cover your conversion?
    Tom

    "Blessed are the pessimists, for they hath made backups." Exasperated 20:12

  10. #10
    Senior Member
    Join Date
    Oct 2010
    Location
    Connecticut
    Posts
    313
    I have Geico. I have all my modifications (ramp, kneeling system, hand controls and driver transfer seat) listed as mobility modifications. They told me the modifications are only covered if listed specifically on policy with value. Since voc rehab paid for the modifications I had the cost/value of each one. When I first purchased insurance policy through Geico I was told there was no additional charge to cover the modifications "because they make you a safer driver". Every time my policy renews (every 6 months) I call and speak with a supervisor to make sure that's still true. My policy shows the modifications listed as being covered and there are no extra charges added on for the coverage.

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •