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College students shouldn't forget about insurance

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Baltimore, MD -- While it might not be at the top of the priority list for most college students as they head back to campus, the Maryland Insurance Administration is reminding students to not forget about the importance of having basic insurance coverage.

At the top of the list is health coverage. Students may be covered under their parent, guardian, or spouse's plan but it's important to find out if your plan will cover services in the area where you are attending school and if there are any additional steps you need to take to ensure coverage.

Students who do not have health insurance may opt to purchase a student health plan. Some schools will offer this during the registration process. Check with your institution to see what their process is.

Another option is Maryland Health Connection. Starting November 1, open enrollment begins for individual health policies. You can contact the Maryland Health Connection at 888-642-8572 for information on an individual policy, tax credits, or Medicaid enrollment. An individual health policy you sign up for during open enrollment will take effect on January 1. If you qualify for Medicaid, you can sign up at any time.

Student property may be covered by their parents’ or legal guardian’s homeowners policy in the event of loss or damage, though coverage may be limited. If the student is living off campus, renters insurance is an inexpensive form of coverage that protects your personal property and insures you in case someone is injured while at your property.

Make sure to keep a list of all your property in case you need to file a claim.The National Association of Insurance Commissioners offers a home inventory app for iPhones and Androids and a simple-to-use printable home inventory checklist.

And don't forget about car insurance. Maryland requires vehicle owners to carry a minimum amount of liability coverage, which pays damages and injuries to someone else if you are found responsible for an accident you did not intentionally cause. Maryland also requires personal injury protection (PIP) coverage. It is always a good idea to check with your agent to see if you have enough coverage.

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