8 questions about insurance for adapted cars

Looking for insurance for your modified car, but don't know how it works? See the answers to 8 questions about adapted car insurance that you should know!

Many people with disabilities need special cars, but have several doubts about taking out insurance for adapted cars.

If you fit this profile, follow this article and discover the 8 questions about insurance for adapted cars that you should know!

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1 – Can a wheelchair user take out insurance for adapted cars?

Yes you can! Just like any other category of driver, wheelchair users who have adapted cars can also take out insurance for this type of vehicle.

With coverage and benefits equal to other customers.

2 – What is the main difference between normal car insurance and adapted car insurance?

In general, the main difference when taking out insurance for adapted cars is the need to inform when filling out the customer profile that the vehicle is adapted.

This question is necessary, because these vehicles are exempt at the time of purchase.

Which causes the value of the car to decrease by around 30%.

3 – Is there a difference between the value of insurance for ordinary cars and the value of insurance for adapted cars?

The insurance value for adapted cars is similar to the insurance for other cars.

This is because the risk for the insurer is the same in both cases.

Furthermore, the tax exemption present at the time of purchase does not apply to insurance.

The exemption can only change the value of car insurance with some insurers, who consider the value of these cars to be lower, due to the absence of taxes.

4 – How do I proceed with filling out the car’s data?

As with any insurance contract, several vehicle documents will be required.

Therefore, it is important that the customer has all of them on hand when taking out insurance for adapted cars.

This includes documents such as: proof of special needs (medical report stating physical disability), vehicle documentation, document authorizing vehicle adaptations and all other documents relating to the car.

It is generally not necessary for the owner to specify the type of disability for which the car is adapted.

5 – How does coverage work for different equipment?

The vast majority of insurance companies offer specific coverage for equipment installed in the adapted vehicle.

Just inform when hiring, the existence of this equipment and what it is.

The value of this coverage is an additional addition to the insurance value.

Some insurers also offer, as a bonus, insurance that covers equipment left inside the vehicle, such as wheelchairs, canes and crutches, for example.

6 – What about compensation in case of total loss of insurance for adapted cars, how does it work?

People who have special needs such as physical or mental limitations, such as hearing, vision or autism conditions, for example, have a guaranteed right to exemption from taxes such as ICMS and IPI by law.

And unfortunately, as this exemption affects the purchase price of the vehicle, it also affects the compensation amount in the event of a total loss.

Furthermore, adapted cars have a percentage limit on compensation coverage, unlike cars without adaptations, which are reimbursed with the full value according to the FIPE table.

However, there is the possibility of obtaining compensation of 100% of the Fipe Table, without the discount on these taxes.

To do this, the car owner only needs to cancel the exemption.

Or, it is possible to take out insurance that offers compensation of up to 130% of Fipe.

7 – What if the vehicle suffers a total loss outside the insurance period?

People with special needs have the right to exemption from vehicle taxes such as ICMS and IPI, every three years.

The big issue is that, if the vehicle suffers a total loss during this exemption period, it is possible that the driver will need to resort to legal means to guarantee compensation, or else, opt for a vehicle inferior to the one he had.

However, it is worth noting that there are no guarantees that the exemption will be granted again, even through legal means, as sentences vary greatly according to each case.

To protect themselves from this situation, the customer can choose to take out extra expense coverage when signing up for the insurance.

This coverage, in the event of a total loss, will guarantee additional value, which will help replace the car.

8- Adapted spare car

The need for a spare car that is adapted can be a problem for some people with disabilities who suffer an accident.

This is because, although it is mandatory by law that 5% of the reserve car fleet is made up of adapted vehicles, in practice this is not confirmed.

In this case, some insurance companies offer taxis, with limits on the number of days, trips per day and reimbursement.

There are also companies that do not offer an extra car, in case of any repairs, as this is normally not included in the insurance.

It is necessary to pay attention to these small details when taking out insurance for adapted cars, as they can make unforeseen events worse.

Now that you've learned the 8 questions about insurance for adapted cars, contact your trusted insurance broker and get a quote!