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

[Jo Elizabeth Pinto]

I bought a car for my stepdaughter.  I couldn't purchase insurance in my 
name, and I found it easier to just let my stepdaughter's dad register the 
car in his name and put his daughter on his policy.  When she got too old to 
go on his policy, the title to the car was transferred into her name and she 
bought her own insurance.  I found it disturbing that there was no way for 
me to have the car and the insurance in my name since it was my money 
involved, but I didn't have the time or the energy when it was all happening 
to sort it out.  Maybe there would have been a way to make it work that I 
didn't know about.

Jo Elizabeth

Truth is tough. It will not break, like a bubble, at a touch; nay, you may 
kick it about all day like a football, and it will be round and full at 
evening.--Oliver Wendell Holmes, Sr.
-----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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