[blparent] question for my fellow parents

Thu Aug 16 19:59:27 UTC 2018

I couldn't even buy a car in my name for my stepdaughter when she was eighteen and attending a community college because of the insurance issue. I couldn't find a company that would sell me insurance for a car she would be driving exclusively, but that I would be holding the title to. I ended up paying for the car, while my then boyfriend--now husband--held the title and bought insurance, and his daughter drove the car. I was never pleased with that arrangement, but it beat the girl riding the bus in a sketchy part of the city at night.

Jo Elizabeth Pinto

"The Bright Side of Darkness"
Is my award-winning novel,
Available in Kindle, audio, and paperback formats.
http://www.amazon.com/author/jepinto

-----Original Message-----
From: BlParent <blparent-bounces at nfbnet.org> On Behalf Of Scott C. Labarre via BlParent
Sent: Thursday, August 16, 2018 8:54 AM
To: 'Blind Parents Mailing List' <blparent at nfbnet.org>
Cc: Scott C. Labarre <slabarre at labarrelaw.com>
Subject: Re: [blparent] question for my fellow parents

Yes, we checked for those kind of discounts.  We do have homes insured and Alex is a good student and an Eagle Scout, and even with all those discounts, they want to charge us $500.00 a month for the cheapest policy.
We have checked with several insurance companies.  Some companies won't even sell to a family who doesn't have a parent driver.

-----Original Message-----
From: BlParent [mailto:blparent-bounces at nfbnet.org] On Behalf Of Susie Stanzel via BlParent
Sent: Thursday, August 16, 2018 8:47 AM
To: 'Blind Parents Mailing List' <blparent at nfbnet.org>
Cc: slstanzel at kc.rr.com
Subject: Re: [blparent] question for my fellow parents

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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