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    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
    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/

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      #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)
      The SCI-Nurses are advanced practice nurses specializing in SCI/D care. They are available to answer questions, provide education, and make suggestions which you should always discuss with your physician/primary health care provider before implementing. Medical diagnosis is not provided, nor do the SCI-Nurses provide nursing or medical care through their responses on the CareCure forums.

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        #4
        My State Farm policy covers it as a modification.
        Tom

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

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          #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

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            #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

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              #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

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                #8
                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

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                  #9
                  Is $4,000 enough to cover your conversion?
                  Tom

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

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                    #10
                    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.

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                      #11
                      Originally posted by sledgrl View Post
                      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.
                      The state laws might be different where you live. But in most areas they would only cover the hand controls and the others would be added as extra modifications. I would not call a local agent on this question. Call the customer service line.

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                        #12
                        Originally posted by sledgrl View Post
                        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.
                        I have geico and I am paying much more than norm due to conversion. Same situation as you, voc paid, conversion placed called in the list of upgrades to the insurance co. I was there and she read the list o them. My wife drives a 2013 ford explorer XLT,fully loaded and i have 2010 dodge grand caravan both on same policy, i looked at breakdown, charg on mine is much more than hers per month.. her car is newer/more expensive so conversion has to be reason
                        - Rolling Thru Life -

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