Wallace
11-19-2004, 05:56 PM
Important Information on Insurance Coverage for Electric Personal Assistive Mobility Devices – EPAMD – SEGWAY HT’s
I ordered my new SEGWAY HT. It should be here next week. As previously mentioned, the Authorized Segway Dealer Price is $3,200.00 with no state sales tax because it is purchased with a physician’s prescription.
I checked with my Home and Automobile Insurance agency – Farmer’s Insurance of Texas – to see whether I needed to Schedule the mobility device for additional coverage. He said, “NO, You have $300,000 Personal Liability and $5000/incident Medical."
If lost due to fire or theft you have Full Replacement Value subject to a $500.00 deductible. I asked if it was covered if I put it in my station wagon and drove to work or on vacation and had an accident. “YES, you are covered under your homeowners policy.” I asked if I was covered if I use the device in my job at the office? “YES, your homeowner’s policy covers you there also.”
Farmer’s does not usually cover such “scooters, motorized devices, etc.” on homeowners policies EXCEPT When Used as an Assistive device by a person with a Mobility Handicap.
POLICY WORDING: “PROPERTY NOT COVERED. We do not cover: (3) motor or engine propelled vehicles or machines designed for movement on land, including attached machinery or equipment. HOWEVER, we do cover such vehicles which are not subject to registration and are: a. devices or equipment for assisting the handicapped.”
On another page, the exact wording of the Farmer’s EXCLUSION reads, ”Coverage C, (Personal Liability) and Coverage D (Medical Payments to Others) do not apply to: ‘(f) bodily injury or property damage arising out of the ownership, maintenance, operation, use, loading or unloading of: (1) motor or engine propelled vehicles designed for movement on land, including attached machinery or equipment.”
“HOWEVER, this exclusion does not apply to: (1) motor vehicles which are not subject to registration and are:
(a) used for assisting the handicapped.” Farmer’s Insurance Document # 94-0294 2nd Edition 2-22 WO294206
I spoke with Jerry Kerr of DRAFT about this homeowner coverage and he said it was new to him and he was going to check with his insurance company.
I ordered my new SEGWAY HT. It should be here next week. As previously mentioned, the Authorized Segway Dealer Price is $3,200.00 with no state sales tax because it is purchased with a physician’s prescription.
I checked with my Home and Automobile Insurance agency – Farmer’s Insurance of Texas – to see whether I needed to Schedule the mobility device for additional coverage. He said, “NO, You have $300,000 Personal Liability and $5000/incident Medical."
If lost due to fire or theft you have Full Replacement Value subject to a $500.00 deductible. I asked if it was covered if I put it in my station wagon and drove to work or on vacation and had an accident. “YES, you are covered under your homeowners policy.” I asked if I was covered if I use the device in my job at the office? “YES, your homeowner’s policy covers you there also.”
Farmer’s does not usually cover such “scooters, motorized devices, etc.” on homeowners policies EXCEPT When Used as an Assistive device by a person with a Mobility Handicap.
POLICY WORDING: “PROPERTY NOT COVERED. We do not cover: (3) motor or engine propelled vehicles or machines designed for movement on land, including attached machinery or equipment. HOWEVER, we do cover such vehicles which are not subject to registration and are: a. devices or equipment for assisting the handicapped.”
On another page, the exact wording of the Farmer’s EXCLUSION reads, ”Coverage C, (Personal Liability) and Coverage D (Medical Payments to Others) do not apply to: ‘(f) bodily injury or property damage arising out of the ownership, maintenance, operation, use, loading or unloading of: (1) motor or engine propelled vehicles designed for movement on land, including attached machinery or equipment.”
“HOWEVER, this exclusion does not apply to: (1) motor vehicles which are not subject to registration and are:
(a) used for assisting the handicapped.” Farmer’s Insurance Document # 94-0294 2nd Edition 2-22 WO294206
I spoke with Jerry Kerr of DRAFT about this homeowner coverage and he said it was new to him and he was going to check with his insurance company.