Ball State

» Insurance

By China at 3:51 PM

Texas auto insurance is something that I have recently had a lot of interaction with. My roommate got into an accident on her way back to school after thanksgiving break and she is from Texas and her parents were on vacation (well at the time they were in a plane so they weren't answering their phones). So since I had a lot of experience (unfortunately) with car accidents, I helped her figure everything out and deal with the insurance company and the police and the towing people. It was basically the same as my insurance company (I am from Chicago) so I didn't have any problems helping her figure it all out.

After this whole ordeal though (she was pretty shaken up) I thought about what I had learned in school or drivers ed and how much about getting into an accident they actually taught us. I remember them teaching about how NOT to get into an accident, but really they didn't tell us what it would be like when we did, or how to handle the situation. I guess it was good for Kayla that I had been through this so many times and I had experienced it and knew what to do (because she certainly didn't) she went into her room and crawled up into a ball and cried while me and my other roommate took care of it.

But there really should be a class just on important things like insurance. Not just car insurance, but health and life and all types that we would need to learn about. I remember in finance this year we talked about something called Interim Health Insurance, but to be honest I have no idea what it is. We spent about 3 minutes of class time on it and then moved on to the next topic. Other things like Missionary Health Insurance, which I heard about from a friend or insurance for those that study abroad in school or even just for people who travel. If we don't learn about these things in school (or somewhere) how are we supposed to know that we need them? Even if you have regular health insurance, if you are traveling out of the country you don't know if you will be covered. You need to be educated on important things like this and schools need to take the initiative to help students out and learn for their futures.