[blparent] question for my fellow parents

[Star Gazer]

			Do you all own any vehicles? If not, I'd buy one and get a policy that covers all licensed drivers. You may be able to get an umbrella policy, that's what we have. 

-----Original Message-----
From: BlParent <blparent-bounces at nfbnet.org> On Behalf Of Roanna Bacchus via BlParent
Sent: Thursday, August 16, 2018 10:57 AM
To: Scott C. Labarre via BlParent <blparent at nfbnet.org>
Cc: Roanna Bacchus <rbacchus228 at gmail.com>
Subject: Re: [blparent] question for my fellow parents

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 
>
> _______________________________________________ 
> BlParent mailing list 
> BlParent at nfbnet.org 
> http://nfbnet.org/mailman/listinfo/blparent_nfbnet.org 
> To unsubscribe, change your list options or get your account info for BlParent: 
> http://nfbnet.org/mailman/options/blparent_nfbnet.org/rbacchus228%40gmail.com 
_______________________________________________
BlParent mailing list
BlParent at nfbnet.org
http://nfbnet.org/mailman/listinfo/blparent_nfbnet.org
To unsubscribe, change your list options or get your account info for BlParent:
http://nfbnet.org/mailman/options/blparent_nfbnet.org/pickrellrebecca%40gmail.com