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

[Danielle Antoine]

Well bro who are the privileged to have one? Hmmmm.
More importantly, how do you become privileged?

On 10/21/14, Pipi Adams via blparent <blparent at nfbnet.org> wrote:
> 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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