Driving insurance in US
I am writing as I was very much hoping you would be able to offer some advice, or at least circulate my question and/or point me to relevant information.
I am a wheelchair user, and am planning a trip to Orlando, Florida early next year. We are wanting to hire a wheelchair accessible vehicle. We are all British, and resident in the UK. I have found several companies that provide wheelchair accessible vehicles, however it would appear that none of them provide basic driving insurance - they only offer additional insurance options e.g. collision waivers, not basic driver’s insurance. I believe this is because they assume that the driver is from the US, and therefore their own driver’s insurance will cover it. As I said, we are British, so do not have US driving insurance. Our UK driving insurance only covers for driving in the UK/Europe, not the US. In other words, I am finding a paradox - most standard hire car companies in the US (e.g. Hertz or whoever) provide basic driving insurance at the point of hire, but do not provide wheelchair accessible vehicles. In contrast, the companies that DO provide wheelchair accessible vehicles don't seem to provide basic driving insurance, instead assuming that existing insurance (e.g. from a bank) will cover it - which is fine if you are from the US, but not it seems from elsewhere.
Does anyone have any experience in this? In other words, how is it possible for a UK resident/citizen to get adequate driving insurance when hiring a wheelchair accessible vehicle in the US, specifically Florida?
Please note, just to avoid confusion, that I myself am not the driver. I am only looking for a wheelchair accessible vehicle (i.e. with a ramp in the rear/side), not driving adaptations.