The following questions & answers are only samples. This information is not a complete review of the issues & you should not make any decisions about your coverage without discussing all of your options with us.  All policies contain exclusions that restrict or limit coverage in certain situations.  Many of the terms, exclusions & reimbursement methods apply to all insurance.

Why do I need to buy insurance?

• Protect your assets against attachment as a result of a court award.
• Provide for cost of defense when you are sued.
• Protect your valuable items such as a car or a home & by insuring collateral on behalf of the financial institution that lent you money.
• Provide financial security for your family in the event of your death.
• Provide for the health care of you & your family through systematic payments.
• Save for retirement & reducing your tax burden.
• To remain financially solvent when you're ill & can't work.

What factors affect the insurance premiums I pay?

• Claims activity including such costs as medical care, auto body repair, construction costs, legal defense, jury awards, claims adjustment, & insurance fraud.
• The level of risk being insured.
• Investment trends that affect insurance profitability.
• Location, age, insurance score, coverage options, driving history.

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Student & Recent Gradutate

I'm a college student. Am I still covered by my parents' policies?

It depends on the policy and its terms. But for the most part, health insurance policies cover children to age 25.

What kinds of risks do college students face?

College students face many new risks as they head off to school: theft of personal property, auto accidents due to driving long distances, & risks related to attending and giving parties.

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