[blparent] dawn stumpner with a question about sighted kids getting driving practice and car insurance that won't totally bust my budget and sanity

[Sharon Howerton]

Dawn, I did go through this with both of my sons, but my youngest is now 28
so what was done when he was 16 may be different than now, and each state
may be different. We are in Illinois. I think we did get a good student
discount when he was in school. You might check with the agency that issues
the license. In Illinois so it is the DMV under the Secretary of State's
office. Good luck.
Sharon

-----Original Message-----
From: blparent [mailto:blparent-bounces at nfbnet.org] On Behalf Of dawn
stumpner via blparent
Sent: Tuesday, October 21, 2014 11:00 AM
To: blparent at nfbnet.org
Subject: [blparent] dawn stumpner with a question about sighted kids getting
driving practice and car insurance that won't totally bust my budgget and
sanity

Hi!

I have 3 kids, one of driving age who doesn't drive, one of driving age who
has currently just passed his paper written test for a permit, and one who
will be going through this process in three years.  I knew it would be
nerve-racking worrying about a new driver, but there are other dimensions to
the issue that just increase the stress.  Does anyone have advice? My main 2
questions are:
   Driving Practice: Most sighted parents' teens are covered under their
auto policies while they practice.  Because I will have friends giving him
practice in their cars, his driving school said that I would have to sign a
power of attorney of which one part says I will be responsible financially
for any accidents he has.  I'm fine morally being responsible for them, but
my home policy would not pay for that, and I do not have an auto policy
because I don't drive.  My insurance person said there is no other type of
policy I could buy to cover that.  She said he may be covered under the
people's policies with whom he'd be practicing, but my worry is that if I
sign a power of attorney saying that I'm financially responsible, won't
their insurance companies use that to not pay if, God forbid, there is any
type of accident?
   Insurance once he has a license: Even once he has a license, I know
insurance would be expensive, but it looks like it will probably be $3,000 a
year because there is no adult on the policy if I don't drive.  In addition,
this could continue until he is
21 because he will still be a "youthful driver" until that age.

Has anyone who does not drive or have their own auto policy but has had
teens go through practicing and getting a license have any advice? Or does
anyone out there who has law or insurance experience have any suggestions?
Any advice would be much appreciated.
     Thanks!
        Dawn

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