Is my insurance going to cover my wheelchair accessible vehicle? This is one of the most common inquiries we get from our customers. Buying a new or used mobility van that can accommodate your wheelchair is a significant investment, so knowing your financing choices is critical. Regrettably, the answer is usually no; insurance will not assist with payment.
Auto insurance for wheelchair accessible automobiles does not contribute to the cost of the vehicle. Your auto insurance will typically help cover the price of things like accident repairs and roadside assistance, but not the cost of buying a new vehicle. In the event of an accident, you’ll want to know what your motor insurance policy covers in terms of repairing or replacing the wheelchair conversion. To make sure you have the correct policy, talk to your vehicle insurance agent about your needs and desired amount of coverage.
The expense of acquiring a new or used mobility van is not covered by health insurance, including Medicare and Medicaid. Your health insurance will almost certainly cover the cost of the wheelchair, but not the cost of a new vehicle or conversion. It’s always a good idea to double-check with your health insurance carrier, but in most cases, your health insurance will not cover the cost of your automobile.
What other options do you have if neither your auto insurance nor your health insurance will cover the cost of your wheelchair accessible vehicle? Payment aid is available in most states through a variety of grants and assistance programs. The qualifications for these grants differ from state to state and organization to organization, but with a little study, you should be able to identify programs that can help you financially.
Speaking with an experienced, professional wheelchair accessible vehicle dealer is a fantastic way to learn about all of your financing alternatives. They can help you find a new or used mobility van that fits your budget, walk you through auto loan options that you might be eligible for, inform you about grant or down payment assistance programs available in your state, and inform you about possible manufacturer rebates that could help you finance your mobility van purchase. Don’t be afraid to ask questions and set realistic expectations for what you can afford on a monthly basisyour dealer will listen to learn about your circumstances and then assist you in selecting the finest financing alternatives for your new vehicle.
Do you pay insurance on a Motability car?
Motability offers a plan that includes insurance, servicing and maintenance, as well as RAC breakdown coverage. Your annual auto tax can also be taken care of by Motability. In other words, many of the extra costs of owning and operating a regular car have been factored in.
Motability cars have a mileage limit of 60,000 miles throughout the three-year lease period; if you go over this limit, you’ll have to pay 5p per additional mile.
Is Motability insurance free?
Our worry-free option offers coverage for up to three drivers, who can be family members, friends, or caregivers. Regardless of whether they are added at application or during your lease, all suggested drivers will be subject to the Scheme’s restrictions on who can drive your car and must also fulfill RSA Motability’s (RSAM) eligibility standards.
Only drivers with a valid driver’s license will be accepted. Drivers possessing a non-UK driver’s license will face greater scrutiny.
Only the drivers specified on the Certificate of Motor Insurance as permitted drivers are covered to drive your Motability car.
During your lease, you may simply see, add, or edit your named drivers in your Motability Scheme online account’s ‘Insurance cover’ section, saving you a call to RSA Motability (RSAM).
Do you have to pay for damage on a mobility car?
Yes. There will be a charge for repairs if you return the car with damage that exceeds normal wear and tear. The contract is designed to keep your costs low and is based on the vehicle’s projected resale value when you return it.
How do I get a mobility car on PIP?
You just trade all or a portion of your mobility allowance for a car of your choice. After three years, you can either return your car or lease a new vehicle for another three years if you want to stay on the Motability Scheme.
Can I claim for a mobility car?
- War Pensioners’ Mobility Supplement (WPMS) or Armed Forces Independence Payment (AFIP)
You must have at least 12 months left on your benefit before applying for a Motability vehicle; if you’re unsure, check your benefit determination letter.
If you’re on DLA and the Department for Work and Pensions (DWP) has sent you a letter stating that you need to apply for PIP, you won’t be able to apply for a Motability vehicle. If you already have a Motability vehicle, you will not be affected.
Even if you don’t drive, you can still buy a Motability vehicle and have it driven by someone else. You have the option of appointing up to two persons to drive on your behalf.
Who qualifies for Motability allowance?
You must receive one of the following disability allowances to be eligible for the Motability Scheme:
Mobility Component of Personal Independence Payment at a Higher Rate (PIP)
When you apply, you must have at least 12 months left on your allowance.
Is the Motability scheme worth it?
A mobility car is well worth the investment, especially if you have trouble getting around using other modes of transportation or may not be able to buy one otherwise. The car is for the disabled person’s benefit, according to Motability. This means that even if you don’t have a driver’s license, another named driver in your family can drive you to your destination. Up to three persons can drive the vehicle.
How many miles can I do in a mobility car?
Motability automobiles come with a three-year mileage allowance of 60,000 miles. Extra miles will be charged at 5p per mile if you go over. If you haven’t driven more than 15,000 miles since the end of your lease, you can request to keep your car for another year or two and obtain a 20,000-mile allowance each year.