special rider to cover my power chair

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 1, 2011

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Insurance Question from Deltona, FL

Asked on 11/01/2011

special rider to cover my power chair My power chair travels with me on the outside of my vehicle on a power lift State Farmwill only cover the lift itself. However, I was hit from behind by another motorist. Getting medicare to replace my chair was a 6 month, hairy ordeal. Does anyone offer a special rider of insurance to cover my chair?

Answer given on November 07, 2011

If you have homeowner’s insurance or renter’s insurance, your motorized wheel chair might be covered as personal property.  Call your agent and ask if you have coverage for this type of power operated vehicle.  You can also add a personal article floater to a renters or homeowner’s policy.  Whether they will allow you to declare the motorized wheel chair would be up to the individual insurance company.  Again, check with your agent.  This could allow you however, to declare the total replacement value of the chair.    


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