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High Tech driving/mobility mods & Insurance

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  • High Tech driving/mobility mods & Insurance

    For those of you quads that drive, how do you have your "driving/mobility mods" insured? Guess I'm referring to those folks who have at least $15,000.00 in cost of mods or more:

    Do you
    1. Just have full coverge for the van itself. (Like any regular vehicle)
    2. Full coverage in regular automobile insurance policy, plus cost of mods in your policy labeled as "extras" based upon what has been "added" to the van. I.E, EGB, Zero effort/reduced effort steering, secondary controls, lowered floor. This option may be labeled as "the current resale value of vehicle w mods".
    3. A policy through a insurance company that specializes in specialized modifications. So, in the event of an accident, everything in and outside your van will be replaced exactly, plus you'd have an accessible rental.

    If you don't feel comfortable discussing this here but want to talk about it, it would be great if you could PM me. Thanks-

  • #2
    i have full coverage on my van and with State Farm, everything inside the van is automatically covered at no addt'l charge..





    Life isn't like a bowl of cherries or peaches. It's more like a jar of jalapenos--What you do today might burn your ass tomorrow.

    If you ain't laughing, you ain't living, baby. Carlos Mencia

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    • #3
      Our van is not equipped for driving, since my mother cannot drive. The ramp, floor modifications and EZ lock system is included in our policy from 21st Century.

      (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.

      Comment


      • #4
        Originally posted by 2jazzyjeff
        i have full coverage on my van and with State Farm, everything inside the van is automatically covered at no addt'l charge..
        Are you sure about that? My state farm policy very explicitly covers modifications up to $1000.

        ie that wouldn't be covered.

        -- JB

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        • #5
          My ins agent(Nationwide) wanted a list of all the mods so that they would have "full replacement" coverage, vs. the depreciated type for the rest of the van. Would think any ins would need this, don't think just "normal" coverage will take this into account. Of course this will be reflected in your premium cost.
          "a T10, who'd Rather be ridin'; than rollin'"

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          • #6
            I have full coverage for the cost of the van with all modifications. I told the insurance company (State Farm) that I had a handicapped accessible minivan and gave them the cost of the van plus all modifications.

            Riz
            C-5 incomplete

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            • #7
              Originally posted by Riz
              I have full coverage for the cost of the van with all modifications. I told the insurance company (State Farm) that I had a handicapped accessible minivan and gave them the cost of the van plus all modifications.

              Riz
              C-5 incomplete
              Thanks Riz.
              I agree with you McDuff and Justin. Did anyone see the costs of reg full coverage vs w addtl? Did the cost Skyrocket? thx all

              Comment


              • #8
                Lizbv,

                I don't know if they skyrocketed because I never had a minivan before. But to compare, I have a 2004 Chrysler Town & Country Limited, total cost of van with modifications was $60,000 and change. My wife has a 2005 Nissan Altima, cost $23,000.
                The 6 month Insurance premium is $507. for the van and $397. for the Altima. Of corse we live in NJ where premiums are higher. Hope this helps.

                Riz

                Comment


                • #9
                  Originally posted by Riz
                  Lizbv,

                  I don't know if they skyrocketed because I never had a minivan before. But to compare, I have a 2004 Chrysler Town & Country Limited, total cost of van with modifications was $60,000 and change. My wife has a 2005 Nissan Altima, cost $23,000.
                  The 6 month Insurance premium is $507. for the van and $397. for the Altima. Of corse we live in NJ where premiums are higher. Hope this helps.

                  Riz
                  Thank you Riz, looks like you've got a really good longevity of good driving etc at that rate. I never had any bad things on mine but Due to an adapted gas/brake issue I rear ended someone in the city last summer; risen rates. Three points on my liscence, then moved to more urban area, more rise. Insurance is crazy. I think after 6 months I'm going to try quotes from a different carrier. :Frustrated:
                  P.S. What driving system do you use?

                  Comment


                  • #10
                    Originally posted by JustinB
                    Are you sure about that? My state farm policy very explicitly covers modifications up to $1000.

                    ie that wouldn't be covered.

                    -- JB
                    ummm , yeah.... my mods are $45k and covered completely. if yours aren't, you better check with another agent...

                    my premiums are just a touch higher than Riz's, bc my van is a '05.. about $600 every 6 months...
                    Last edited by 2jazzyjeff; 05-06-2006, 11:16 PM. Reason: to add my premium





                    Life isn't like a bowl of cherries or peaches. It's more like a jar of jalapenos--What you do today might burn your ass tomorrow.

                    If you ain't laughing, you ain't living, baby. Carlos Mencia

                    Comment


                    • #11
                      Originally posted by Lizbv
                      "What driving system do you use?"

                      Lizbv,

                      I use a push/pull mechanism but not attached to the steering column. It is a tri pin that is attached to the top of a stalk. The stalk is bolted to the floor just to the side of my right knee. It pivots as you push forward for the brake and pull back for gas. I rest my arm on the seats arm rest and place my hand in the tri pin. It is very comfotable, I can drive all day with no fatigue. When I tried the push/pull on the column my arm would give out after an hour. I have attached some pics.

                      Riz
                      C-5 incomplete

                      Comment


                      • #12
                        My van was insured as a typical minivan for a couple months while the controls were being installed. My agent contacted me at least twice asking if the work was done because that equipment was specifically NOT covered without additional insurance. Meaning if it caught fire in the driveway and burned up, the insurance would gladly buy me a new, unmodified van and say you're on your own for the rest. Like many others, my mods and controls cost about twice what the van cost. So, I pay for the extra insurance. I end up paying about $1900 per year.

                        I'd be cautious about assuming that everything in the van is automatically covered by a standard full-coverage policy.
                        Visit the PowerQuad Message Board

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                        • #13
                          You have horrible insurance coverage then! Mine is all covered $50,000 worth of equipment i only pay $66 a month!

                          Comment


                          • #14
                            Originally posted by coobns7 View Post
                            You have horrible insurance coverage then! Mine is all covered $50,000 worth of equipment i only pay $66 a month!
                            This thread is 12 years old!!! In addition, lack of a location on your profile (country, state, etc.) makes it impossible to put your comments in context.

                            (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.

                            Comment


                            • #15
                              I had a van fire in the engine, had receipts for recent new ramp and transmission. I got back 12k, only paid 5500. I was paid additional for the seat and hand control mods. I have state farm in Minnesota. I will ask my friend who sells insurance this week.

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