Question

Does having a handicap enabled car make a difference on your insurance?

I am disabled and have a Dodge Grand Caravan that has been modified to include a lift for my wheelchair. I had a difficult time getting coverage for my vehicle because of the aftermarket lift and the lift is only covered up to $1000 which wouldn't come close to replacing it. I have seen that Ford is going to be releasing an SUV that comes standard with a wheelchair lift. If I trade in my Grand Caravan for this Ford, will it make a difference on my policy?

Jul 15, 2016 Lexington, VA

Answer
Neil Richardson

Jul 15, 2016

Luckily, that new vehicle you're referring to will be looked at completely differently by your insurance company. With vehicles that have been modified outside of the factory, especially those for disability purposes, insurance companies will cover the vehicle up to the Actual Cash Value (ACV) and the custom equipment would be covered separately. The additional amount for custom parts can range between $500-$3,500 and often doesn't cover enough to replace those parts. With this new Ford SUV, all of the customizations were done at the factory so your insurance company would cover the wheelchair equipment as part of the ACV of the vehicle rather than separately for the customization. This means you won't have to purchase "custom parts and equipment" coverage in addition to comprehensive and collision coverage on your policy. Best of luck with your vehicle purchase!

Compare auto insurance rates and save up to $670 per year!

Location pin icon