How Car Insurance Fees Can Be Lowered For Handicapped Drivers

One common misconception about car insurance is that handicapped drivers pay more for coverage than non-handicapped drivers. This simply is not true. Federal law prevents car insurance companies from discriminating against handicapped drivers due to their disabilities. Many states have additional laws on the books, and even if car insurance companies were allowed to discriminate, they would likely discriminate in favor of handicapped drivers; statistically speaking, they are more careful than non-handicapped drivers and much less likely to be involved in accidents. Nevertheless, handicapped drivers need the lowest possible rates on car insurance just as much as all other drivers, and it is worthwhile to know a few ways that they can cut their car insurance fees.

Handicapped drivers should first look for safety discounts because this is one of the fastest ways to change premium rates without adjusting the coverage levels. Many car insurance companies offer safety discounts for any drivers who have vehicles with special safety features like side airbags and anti-lock brakes. You can find out whether your car insurance company offers these discounts by studying your policy contract or simply by calling your car insurance agent and asking about available options. If your car is already outfitted with safety features, you are wasting money by not asking for discounts, and if your car is not outfitted, you might look into having some low-cost safety measures installed to keep your car insurance fees low. Ask whether modifications that you have made to a car for your handicap qualify for discounts; even something like oversized mirrors can often have a positive effect on premiums. Other discounts will apply to handicapped drivers who take road safety courses, students, and even drivers who have simply kept their insurance coverage up for a specified length of time. The key is to ask-you will often be surprised at how quickly your car insurance fees will drop.

Online car insurance websites can also help handicapped drivers to find lower rates. Reputable websites will not ask about a driver's handicap or even inquire as to the handicap status of the driver. Instead, car insurance websites will ask questions about your vehicle and driving record to determine how much of an insurance risk that you pose, and this information will be submitted to car insurance companies in order to return a few quotes. These websites make it easy to look at your insurance options, which in turn, can help a driver to find a better policy than what he or she currently has. Always take the time to compare car insurance quotes. Handicapped drivers and all other drivers can benefit from this, as it is the best possible way to keep rates down.

How Honda Wheelchair Van Insurance Really Works

If your ever in a accident in your wheelchair van and have insurance questions or need your to have repairs made contact the experts at the Mobility Center in Bridgewater, MA with your questions 508-697-6006

 

We all know that we need to carry insurance on our Honda wheelchair vans. We understand that it’s a legal requirement and we recognize the value of being properly insured in case of an accident. Most of us are not insurance experts, though. In fact, some aspects of vehicle insurance confuse many of us. Let’s look at how wheelchair van insurance really works.

What Are You Buying?
When you insure your Odyssey or Element, what are you actually buying? “Insurance” actually consists of many different elements. Your policy may or may not have provisions covering all of them. They include:

• Bodily Injury Liability: This covers you if your Honda hurts or kills someone in an accident.
• Comprehensive: This covers damage to your Honda from non-accident sources like weather and vandalism.
• Property Damage Liability: This is legally required everywhere. It’s the portion of your insurance that covers damage to the other party’s vehicle after an accident.
• Collision: This covers damage to your Honda if it’s involved in an accident.
• Medical Payment: This provides coverage for you and/or your passengers for medical expenses related to an accident.
• Uninsured Motorist: If someone who doesn’t have insurance injures you, this will cover you.

The limits of your coverage and your deductibles for each element of your policy will vary based upon what you’ve purchased from your insurance company.

What Determines Your Rates?
How do insurance companies decide how much to charge you for that coverage? They look at a variety of factors.

Your actual vehicle is an important part of the puzzle. The value of your Odyssey or Element will have an impact on the price of your policy, because the cost of covering replacement and repair vary based upon the vehicle.

There’s more to it than that, though. Insurance companies also look at the vehicle type to help determine how likely you will be to utilize your insurance coverage. That’s why it’s cheaper to insure an Odyssey than an Element–minivans tend to have fewer significant claims than do small SUVs.

You can also expect the modifications you’ve made to your Honda wheelchair van to influence policy pricing. You may be an excellent driver, but the fact that modified vehicles tend to be involved in a relatively high number of claims is reason enough for insurance companies to increase premiums on wheelchair vans, in most cases.

You are part of the pricing equation, too. Your personal driving record, age, gender and any license restrictions you may have will influence the price of insurance. Non-driving related factors such as home ownership, credit rating, and where you live will also influence pricing. Insurance companies look at multiple variables to determine your probable level of risk.

Finally, the policy limits and coverage you select will influence your insurance pricing. If you’re only purchasing the minimum requirement of liability insurance in an effort to “stay legal,” you’ll spend a lot less than you would for full coverage with all available protections.

Purchasing insurance is always a process of balancing the best possible coverage with affordability. The levels of coverage you need and the amount you can spend will, obviously, vary based on a series of individual factors. The most important thing to remember is to be certain you have adequate coverage to meet both the legal requirements and your personal needs.

You’ll also want to consider insuring your mobility aids, vehicle modifications and equipment. Most vehicle policies will cover your Odyssey or Element, but they won’t cover your lift or ramp. They’ll replace your bumper if you get in an accident, but they won’t necessarily pay to fix your low-effort steering system if it’s damaged.

Insuring a Honda wheelchair van isn’t really a complicated procedure. When you understand the different kinds of coverage and how rates are set, the process is even easier to understand.

How Ford Wheelchair Van Insurance Really Works

If you're ever in a accident in your wheelchair van and have insurance questions or need your to have repairs made contact the experts at the Mobility Center in Bridgewater, MA with your questions 508-697-6006

Buying insurance can be a complicated process. For those of us who haven’t spent a great deal of time thinking about insurance and how it works, purchasing insurance for a wheelchair van can be rather intimidating. So here is a little information about the way Ford wheelchair van insurance really works.

Information about Coverage
Your Ford wheelchair van insurance is made up of individual elements. When one talks about vehicle insurance, they’re actually referring to a combination of different forms of insurance with different purposes.

For example, you can buy liability insurance. That will pay for any damage you might cause if you have an accident. Liability insurance is a legal requirement. Bodily injury liability coverage will defray the medical expenses of anyone who may be injured by your vehicle in an accident.

Due to the high number of people who fail to meet their state-mandated legal obligations, many Ford wheelchair van drivers purchase uninsured or underinsured motorist insurance. This feature of a policy will protect you in the event that another driver collides with you and doesn’t have adequate coverage.

There is insurance designed to cover all of our own medical expenses if you’re in an accident and most new vehicle buyers purchase comprehensive policies that cover damage caused by vandalism, weather, and virtually any other mishap. If you are still making payments on a financed vehicle, the lender will generally require proof of comprehensive coverage as a term of the loan.

 

Those are only a few of the different forms of coverage that may be involved in covering your Ford. Different policies have different benefits and various insurance companies offer variations on the same theme. You may be interested in hearing about some of the other forms of protection they offer when insuring your wheelchair van. 

Information of Rate Determinations
Now that we’ve discussed what you’re buying, we can explore why it costs so much! Most of us find insurance rather expensive and many wonder why different people may be subject to wildly different rates. There are a number of factors at play.

The most significant factor in setting insurance rates is the driver. Insurance companies evaluate data and look at multiple variables to determine how likely you are to be in an accident or to file a claim.

That’s why a 45-year old with a perfect driving record pays less for the same coverage than an 18-year old who’s already collected numerous. Your age is just one example of the many demographic variables influencing your rates. Your driving history is another.

Unfortunately, that means you’ll pay more than most people when you insure your Ford wheelchair van. Even if you are a fantastic driver, the overall statistics do indicate that drivers with disabilities are more likely to be involved in claims and accidents. US federal law prohibits insurance companies from discrimination based on disability, but they can consider those statistics when determining rates.

Your Ford wheelchair van will also influence how much you pay for your insurance. Again, the insurance companies base their rates on all available data and they have a very good idea of how much different vehicle types cost to repair and how likely they are to be involved in a claim. That’s why a sports car will cost more to insure than a dull four-door sedan.

It’s also another reason while you will be paying more than the average for your wheelchair van insurance. Wheelchair vans tend to cost a great deal to repair and data does indicate that they are more likely than many vehicle types to be involved in insurance claims. Additionally, wheelchair van owners need to be certain that their special equipment and modifications are insured. That drives up the price of their policies even more.

Insurance can be complicated and you need to be considerate when making decisions. Having at least a basic understanding of coverage types and the factors influencing the price of insurance should help.

New England Wheelchair Van Collision Repair

Wheelchair Van Collision Repair at VMi New England Mobility Center, Bridgewater, MA

We can and will repair, service, preform preventative maintenance and help you with collision damage even if you bought your van elsewhere.

• No Hassle Insurance Claim Handling
• Direct Repair For Major Insurance Companies
• State of the Art Collision Repair Facility
• Baked on Finish
• Expert Color Matching
• Unibody & Frame Straightening
• Vehicle Detailing
• Car Rental Available
• Licensed Vehicle Estimator

Wheelchair Van Auto Body Repairs in MA, RI, CT, VT, NH and ME

For more than 30 years, the crew at VMi New England Mobility Collision Center has been offering auto body repairs that has developed strong relationships with our clients. As a locally owned facility, we provide you with affordable options. We also believe in fast, punctual service, so we don’t leave you waiting forever when you need to get back on the road as quickly as possible.

We’re quick to respond to your inquiries, and we can often offer same-day service from certified expert technicians. We handle foreign and domestic wheelchair van repair, and some of our services include:

• Auto glass replacement
• Auto body and dent repair
• Towing service

When it’s in New England and mobility van auto body repairs that you need, The Mobility Center in Bridgewater, MA is one of the top shops to call. We’re here Monday – Friday and we’ll work by appointment on the weekends. Contact us today to request your sound estimate 508-697-6006.

Wheelchair Van Service, Body and Accident Repair in New England

The VMi New England Mobility Center’s Team in Bridgewater, MA offers an in-house body shop in addition to a auto service department that is staffed with the most qualified technicians ready to answer your questions and address your handicap van auto repair needs. Our auto body service and car repair experts have the experience to get your wheelchair accessible van back on the road in top condition. You can come from and where in New England to have one of our specialists repair your adapted vehicles, wheelchair vehicles, used adapted vehicles, or used conversion vans, conversion van or handicapped vehicle.  Call anytime to schedule an appointment, or contact our van service department if you have any additional questions.

At the VMi New England Mobility Center we provide wheelchair accessible van body repair service for all make & model vans & mobility equipment. We service and repair most all brand mobility vehicles including BraunAbility and VMI van’s We perform body shop service, rust prevention, rust repair and warranty work on all the vehicles & products we sell. We repair wheelchair lifts in vans & buses for both private and commercial customers

Wheelchair Van Body Shop
With our in house down draft spray booth we can assist you with Autobody repair as well as work with insurance companies to be sure you get the proper support in repairing damaged wheelchahir accessible vehicles .

Full Service Automotive Shop
Our team of technicians also perform Full Service Auto repair so we can offer 1 stop shopping. Instead of using 2 different mechanics for the repair of one vehicle, let our trained service team handle all  of your mechanical needs

Large Selection Of Wheelchair Van Parts In-Stock
We offer a large selection of parts for wheelchair lifts and wheelchair vans including: BraunAbility, VMI, Vision & more. Our expert staff in our service department are standing by to fix your mobility van. Whether you need a single part or would like to keep your entire fleet going, we have the name brand parts available. If we don’t have the exact part your looking for, we can get almost anything within a day. Give us a call today for all your wheelchair van needs.

Amputee Veteran embarks on cross-country bike trip from Maine

More than 50,000 U.S. soldiers, sailors and Marines have been injured in combat in Iraq and Afghanistan. Nearly 2,000 of them are now amputees. Marine veteran Rob Jones says his cross country bike trip is for them.

From a distance, the 28 year old looks like any other cyclist enjoying the last of autumn's splendor in the Camden foot hills in Maine. It's only up close that you realize this is no ordinary bike trip - since Jones' legs are man made.

"I'm a combat engineer, so my job when there are IED's is to find them. I found it with my foot," said Jones. He lost both legs above the knee in Afghanistan, but not his determination.

He's riding across the country, 5,400 miles in all, from Bar Harbor, Maine to San Francisco. Calif. He has an entourage of one; his 17-year-old brother Steve Miller.

They will spend around 6 months sleeping on cots in the back of a box truck, eating camping food along the way. They log around 30 miles a day.

Jones can't stand on his bike to power up the hills because he has no knee joints. Because he has no knees, he can't use his quads. He powers the bike with his hips and hip. But this Marine says he's never shied away from a challenge. "The harder you push yourself, the more you're gonna grow as a person. That's what life is about for me,".

Jones powerful message is painfully clear to his kid brother who watches every move he makes from behind the wheel of the support truck. "If someone can do an activity that requires legs, and do it without legs, then you can do anything," said Miller.

Jones will donate 100 percent of any donations to three charities: The Coalition to Salute Americas Heroes, The Marine Semper Fi Fund and Ride 2 Recovery. He's hoping to raise more than $1 million.

To follow Jones' journey across America click here

   To make a donation
click here

Wheelchair Van Fundraiser

Keep Newey Mobile Campaign

The Keep Newey Mobile Campaign is a fundraising effort for Josh Newey of Bridgewater, MA. This was created to raise funds to replace his current mobility van; a rusty and unreliable '99 Caravan with 210,000 miles! We welcome your participation through online donations, or by attending our event.

Make a donation towards Josh's new wheelchair accessible van here!

The next event for the Keep Newey Mobile Campaign is  a Craft and Vendor Fair organized by the Bridgewater Community Lions Cub which is being held at our Mobility Center!

 Start your holiday shopping a little early and help support The Keep Newey Mobile Campaign! All proceeds go toward a new wheelchair accessible van for Josh!

When:
Saturday, October 19, 2013
10 AM -3 PM

Where:
VMi New England Mobility Center
1000 Main Street
Bridgewater, MA
 
Vendors:
Silpada, Tastefully Simple, Mary Kay, Lia Sophia, Thirty- One, Pampered Chef, and Scentsy. There will also be various crafters.

Please help us raise money for Josh Newey and a new mobility van!! We need our friends, families, and local business to help step up and Keep Newey Mobile!!

- See more at: http://www.youcaring.com/help-a-neighbor/the-keep-newey-mobile-campaign/61600#sthash.yZQLkKIQ.dpuf

Please help us raise money for Josh Newey and a new mobility van!! We need our friends, families, and local business to help step up and Keep Newey Mobile!! - See more at: http://www.youcaring.com/help-a-neighbor/the-keep-newey-mobile-campaign/61600#sthash.yZQLkKIQ.dpuf

Please help us raise money for Josh Newey and a new mobility van!! We need our friends, families, and local business to help step up and Keep Newey Mobile!!

- See more at: http://www.youcaring.com/help-a-neighbor/the-keep-newey-mobile-campaign/61600#sthash.yZQLkKIQ.dpuf

Please help us raise money for Josh Newey and a new mobility van!! We need our friends, families, and local business to help step up and Keep Newey Mobile!! - See more at: http://www.youcaring.com/help-a-neighbor/the-keep-newey-mobile-campaign/61600#sthash.yZQLkKIQ.dpuf

Please help us raise money for Josh Newey and a new mobility van!! We need our friends, families, and local business to help step up and Keep Newey Mobile!! - See more at: http://www.youcaring.com/help-a-neighbor/the-keep-newey-mobile-campaign/61600#sthash.yZQLkKIQ.dpuf

Please help us raise money for Josh Newey and a new mobility van!! We need our friends, families, and local business to help step up and Keep Newey Mobile!! - See more at: http://www.youcaring.com/help-a-neighbor/the-keep-newey-mobile-campaign/61600#sthash.yZQLkKIQ.dpuf