[blparent] question for my fellow parents

[Jody ianuzzi]

When a child is added to a parents policy it is a rider addition. When a child is the primary driver it is more expensive. We had two vehicles and when our son turned 16 he was the second driver in the house so we had to pay more because he was considered a primary driver for the second vehicle

JODY

thunderwalker321 at gmail.com 

"What's within you is stronger than what's in your way."  NO BARRIERS  Erik Weihenmayer

> On Aug 16, 2018, at 10:46 AM, Susie Stanzel via BlParent <blparent at nfbnet.org> wrote:
> 
> Hi Everyone,
> 
> Since my husband Dean died, I pay more for home insurance because I do not
> also have auto insurance. I expect you are checking with the company you
> have insured your home with. That is my take on the situation. However, I am
> surprised about the huge difference. You might check with Curtis Chong. He
> and Peggy had almost the same situation. I think they still had a home
> insured at the time Tina turned 16. Please keep us posted.
> 
> Susie Stanzel
> 
> -----Original Message-----
> From: BlParent <blparent-bounces at nfbnet.org> On Behalf Of Scott C. Labarre
> via BlParent
> Sent: Thursday, August 16, 2018 9:34 AM
> To: blparent at nfbnet.org
> Cc: Scott C. Labarre <slabarre at labarrelaw.com>
> Subject: [blparent] question for my fellow parents
> 
> 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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