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WHEELCHAIR VAN INSURANCE
PROTECTION FOR COMMERCIAL AUTOS
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HANDICAP VAN INSURANCE

Many businesses could use a wheelchair van as a way to better serve their customers. Taxi cab services can use a wheelchair van to expand their business into the handicapped marketplace for example. A hotel that offers airport or tourist destination shuttle services may own a wheelchair van so that they’re better able to serve their disabled customer base. Medical transport companies need to be able to accommodate wheelchairs as well, and vans are ideal for this service.

No matter why your company owns a wheelchair van, you invested a lot of time into deciding on the feasibility of the purchase. Then you invested a lot of money into acquiring the van itself. Now that you have the wheelchair van, you can expand your service offerings. Keep the van as safe as you can by making sure you’re protecting it with the right types of commercial auto insurance. Here are the primary types of insurance you’ll need:

Liability InsuranceLiability insurance is normally required by law in all parts of the United States. This coverage is designed to protect other people from suffering losses that are caused when your wheelchair van causes an auto accident.  Liability insurance primarily focuses on two coverage areas: Bodily injuries and Property Damages.

Liability insurance can provide your wheelchair van with protection at varying levels, based on the amount of coverage you select. You can choose a standard split level policy or a combined single limit policy as well.

A split limit policy sets maximum benefit limits on two separate portions of an auto accident claim. Split limit policies will pay no more than the set limit per person for bodily injuries but no more than the total combined limit for all bodily injuries in an accident. It will also pay a separate maximum for property damages. Example: A liability split limit policy of $15,000/$50,000/$35,000 explains a specific payment maximum per accident. No more than $15,000 will be paid for any individual person’s bodily injuries in one accident; no more than $50,000 will be paid for the combined total of bodily injuries; and $35,000 is the maximum amount the policy will pay for property damages.

If you elect a single combined limit liability policy instead, there is no separate maximum limit defined for bodily injuries or property damages. There is just one maximum overall payout for the policy for each accident. A $50,000 combined single limit liability policy for example, would pay a maximum of $50,000 in damages per accident regardless of whether the damages were to people or property.

Medical PaymentsMedical payments insurance is important coverage for a wheelchair van, because it pays medical related expenses that arise for your van driver and any passengers who were riding in the vehicle at the time of the accident. Coverage is for paying medical and related bills, such as ambulance transport, hospital care and follow up treatments. This insurance protects your driver and passengers without regard to who causes an auto accident. It is not available in all areas however, so be sure to contact one of our licensed representatives to determine if it’s an option for your company’s policy.

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Physical Damage InsurancePhysical damages insurance protects your wheelchair van itself. And it protects your company from having to pay the bills when the van is damaged or destroyed. This insurance is extremely important for your company if you lease your wheelchair van, or if you still have an outstanding unpaid finance loan because it provides you with the most protection possible. There are three types of physical damages insurance protection:

Uninsured or Underinsured Motorist - If your van is involved in an auto accident with another vehicle and that other vehicle was the cause for the accident, their liability insurance is supposed to pay for your bodily injuries and property damages. If the other driver does not carry insurance however, or if they do not carry enough coverage to pay all of the resulting bills, they are considered uninsured or underinsured. You can purchase protection against these risks with an uninsured or underinsured motorist policy. When the other driver is at fault but unable to pay for all of your damages, your policy will pick up the difference. This policy works much like your Liability policy.

Other Important Commercial Auto Insurance for WHEELCHAIR VAN includes:

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Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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