[blparent] question for my fellow parents

[Roanna Bacchus]

As Suzie said, I would check with the insurance company who supplies your home insurance. I am also surprised at the huge difference in payment for your insurance.

On Aug 16, 2018 10:33 AM, "Scott C. Labarre via BlParent" <blparent at nfbnet.org> wrote:
>
> Hello everyone, I am new to this list but, of course, not to the Federation. 
> On Monday, our kids, Alex and Emily, started school.  It's hard to believe 
> that they are 10th and eighth graders respectively.  On October 4th Alex 
> will turn 16 and plans on sitting for his driver's license exam at some 
> point close to his birthday. 
>
>
>
> That is what brings me to my question.  I wonder how some of you have 
> handled auto insurance.  As many of you know, Anahit and I are both blind 
> and thus do not drive.  Insurance companies will sell us a policy to cover 
> Alex for $6000 a year or, $500 a month and which only covers one vehicle. 
> This is far more expensive than what sighted parents are paying for their 16 
> year old children.  For example, a couple we know whose son turned 16 in 
> July and is driving are paying only an additional $133.00 a month and only a 
> total of $3800  a year or $317 a month to cover three drivers and two cars. 
>
>
>
>
> They tell us that it is so high because neither one of us drives.  This 
> argument makes no sense to me because the fact is that a child will not be 
> driving with their parents in the car 90 percent of the time or more.  The 
> whole point of getting a license is for the child to be independent and 
> drive themselves places.  Even when sighted parents are in the car with 
> their teenage and licensed  child, it is highly likely that the parent will 
> be driving. 
>
>
>
> The bottom line, in my opinion, is this is a case of discrimination based on 
> a disparate impact theory.  Although the policy is facially neutral, it has 
> a disparate impact on those of us who are blind for no justifiable reason.  
>
>
>
> So, I am researching the legal aspects of this, as you can imagine, but all 
> of that takes time and I really don't want a lengthy battle on my hands. 
> Consequently, I am turning to my fellow blind parents to see what solutions 
> you may have discovered to all of this.  
>
>
>
> I thank you in advance for any thoughts.  
>
>
>
> Best, 
>
> Scott 
>
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