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

[Judy Jones]

My husband and I are both blind.  At the time, we got a rider on our home 
insurance that covered our girls, as long as they resided in the home, which 
they did.  Nevertheless, it was exensive, since we are non-driving arents 
and had no auto insurance.

I have heard that the Viking company's insurance is inexensive, but is all I 
know about them.

Does your home-owner insurance company have any ideas about maybe changing 
your olicy to accommodate?

Judy

.S.  I wrote an article for the Braille Monitor several years ago when our 
girls were going through this, and will be glad to send it to you off-list

Judy


-----Original Message----- 
From: Danielle Antoine via blparent
Sent: Tuesday, October 21, 2014 5:15 PM
To: Pipi Adams ; Blind Parents Mailing List
Subject: Re: [blparent] dawn stumpner with a question about sighted kids 
getting driving practice and car insurance that won't totally bust my 
budgget and sanity

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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