Insurance Policies For College
Insurance Policies For College
Insurance Policies For CollegeCollege is something that makes parents nervous. It is a great opportunity for the child to learn new things and expand his or her horizons, of course, but it also marks the first time that that child is truly on his or her own. There are many dangers in the world that the child has never had to face before while being sheltered at home. The only way to learn about these things is to experience them and overcome them, but knowing this will not help you, as a parent, to feel any less apprehensive. Fortunately, there are a number of insurance plans that you can purchase to help your child on the way.
These include car insurance, sports and fitness insurance, and medical insurance.If your child has already been on your car insurance plan and is taking your car to college, you can just leave things as they are. This will get you the best rates. If your child has his or her own car, however, you will need to get a new plan to accommodate this car. One of the best things that you can do is to put the child's car in your name and then add it to your insurance plan. This will make the rates go up, but they will not go up to the same level as the child's rates would be if he or she bought a plan on his or her own. The only downside to this is that your rates will go up if they get in a car accident.
Spots and fitness insurance may be a good idea even if your child is not going to play for an official team while at school. Many colleges have intramural athletic clubs that are nearly as intense as actual sports. They can play rugby, football, basketball, lacrosse, volleyball, and many other sports. There is still the chance of injury, so having a plan in place for the medical bills is a good idea. Some clubs require it.
Your child can just stay on your medical insurance plan if he or she is under 26 years old, as most first-time college students are. You do not have to change anything. You could choose to get a more comprehensive plan if you are very nervous about the child's health, but the typical plan that you already have should be sufficient in most cases.
As can be seen, the biggest change will be that your child will need sports and fitness insurance. You cannot overlook the importance of this. Sports provide a way for college students to get exercise, find new hobbies, and meet each other. They are an integral part of the college experience, but they are not without their dangers.
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