August 2023 Special Needs Living Akron/Canton

Insuring Your Mobility (Devices)

You can protect yourself and your personal mobility devices.

BY RICHARD CORNS, RBDLLP & ASSOCIATES LLC

When many people think of things that are insurable, they immediately think of items such as automobiles, houses, life, or business insurance; however, often, many everyday things can be insured in some capacity. In our agency here at RBDLLP & Associates LLC, our mindset takes on a much different approach that offers solutions on many items that, to many, are uninsurable. With American Family Insurance powering our product options, we are fortunate to be able to offer options that many don’t believe to be available. One product that we can offer to our clients is coverage on personal mobility devices (PMD) directly, like an auto insurance policy and coverage that extends from a home, renters, or condo policy known as equipment breakdown coverage.

When it comes to PMD, there are coverages that protect these very expensive devices against many issues that users might need help with. For example, an insurance policy would extend coverage to bodily injury, property damage, medical payments, uninsured motorist, underinsured motorist, comprehensive, and collision. These coverages protect users in many ways, including the provision of financial protection from potential damage caused by our insured, coverage for damage that results from a potential collision, coverage against theft and or other comprehensive claims, along with medical payments to our insured.

At RBDLLP & Associates LLC, our PMD clients can also elect for coverage from our home products, known as equipment breakdown coverage. This coverage will cover these PMDs from mechanical breakdown, electrical breakdown, and power surge. If the personal mobility devices experience a mechanical concern, electrical concern or power surge issue that causes our clients’ devices to no longer work appropriately, our policy will offer some coverage to them. This coverage extends to motorized chairs in the home that are utilized for stair assist.

These devices can be very expensive to replace, and many times the reasons for replacement would fall underneath our policy guideline coverages. Coverage for these devices is very easy to obtain and requires very limited information from our end. With the premiums being very affordable, we advise all parties who might have a PMD in their home to explore these coverages. The process of getting a quote can take about five to ten minutes from a licensed staff member at an agency that can provide you and your loved ones with a quote that could put peace of mind in place for everyone.