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Am I still covered by my
parents' policies?
It depends on
the policy and its terms. For example, most heath insurance
policies cover insured's children up to age 18 - or to age
22 if the child continues a a full-time student. If you are
over 18 and not a full-time student. you wil1 need your own
health insurance policy. Check with your insurance agent
about specific insurance policies and any age restrictions
involved. |
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What kinds of risks do
college students face?
College
students face many new risks as them head off to school;
risks like theft of personal property and accidents due to
driving long distances and attending and giving parties. And
the nation's nearly 2 million first-year students and their
parents may have the hardest time of all evaluating their
needs and risks since then may not know what to expect. |
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How extensive are these
risks?
College and
University campuses are not immune to property crime. The
FBI's Crime ill the United States 1995 reports that there
were over 100,000 property claims on the nations college
campuses reported to police - including burglary, theft.
motor vehicle theft and arson. That same year an average of
$1,251 of property per offense was taken by thieves.
Further, at least one in ten
college students revealed they had caused an auto accident
in the last two years: one in four had a speeding ticket or
other moving violation.. All of these offenses help send
students' auto insurance premiums through the roof. |
How many students are at
risk?
A recent
survey indicates that there are as many as 8.9 million
households with full-time college students under age 23 in
the United States. For all of these students - especially
the more then half who live away from home – having basic
insurance including health, auto, and renters, is one thing
that can make the difference between a pleasant college
experience and one that can spell financial disaster for
students and parents.
While depending on
circumstances, many students can remain covered by their
parents' homeowners, auto and health insurance throughout
college, other students may- have special needs and
circumstances requiring that they purchase their own
insurance before they graduate. |
How can an uninsured loss
affect a student or parent?
An uninsured
loss such as the theft of a laptop, sudden illness or a
liability claim stemming from a party mishap, can deal a
devastating blow to a college student's limited bank account
or the financial livelihood of a parent already struggling
with high tuition bills. And contrary to popular belief,
insurance can be very affordable. The risk of financial loss
due to property and liability losses can be eliminated or
significantly reduced with proper insurance.
College students and parents should seek information
together on protecting themselves and their property with
renters, auto and health insurance from an experienced,
professional independent insurance agent who will help them
evaluate their risks and purchase the appropriate coverage. |
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