I am thinking about changing my insurance.

Well, there's a possibility that neither will pay, but it would be impossible to determine without a lot more information. Where do you live? What kind of insurance are you talking about? Is your current insurer paying installment payments on your mobile chair? If so, why?

Did the vendor submit the application to your insurance company for you? If so, contact them (the vendor) and ask if any problems will be caused by your switching insurance providers.

They'll have the most experience with similar situations and can give you the best answer.