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

[Star Gazer]

Michael is just being knit picky. A right is something you have that doesn't
require money like the right to vote. A privilege requires money in most
cases. 

-----Original Message-----
From: blparent [mailto:blparent-bounces at nfbnet.org] On Behalf Of Danielle
Antoine via blparent
Sent: Tuesday, October 21, 2014 7:16 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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