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

[Pipi Adams]

I work for Farmers insurance. I will dig into this more tomorrow when I am back at the office. 

Sincerely,
Pipi

> On Oct 21, 2014, at 10:00 AM, dawn stumpner via blparent <blparent at nfbnet.org> wrote:
> 
> 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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