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AS UN acts on impeacliment
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A resolution was passed Wednesday night at
the ASUN Senate meeting supporting
recommendation of the impeachment of
Richard Nixon if investigation by the House
Judiciary Committee finds that the President
has damaged the integrity of the office.
The ASUN Senote also would encourage tha
Nebraska delegates in the House of
Representatives to vote for impeachment"1 to
determine Nixon's guilt or innocence under this
resolution. Copies 'of this resolution will be sent
to the chairmen of the House ; Judiciary
Committee and members of the Nebraska
delegation. v ; . ' '
.. A resolution submitted by ASUN Sen. Mark
Hoeger proposing an ad hoc committee to
provide students with information- for the
elections in November 1974 also Vias;passedf;
Membership in all ad hoc committees is open to
all students.
The DaiSy Nebrnskan is published by the Publications Committee
on Monday, Wednesday, Thursday and Friday. through the autumn
and spring semesters, except on holiday and during vacation. ,;, ..' .
Copyright 1974, the Daily Nebraska). Material may be reprinted
without permission if attributed to the Daily Nebraskan, excepting
material covered by another copyright. . .. '
Second class pottage paid at Lincoln, Nebraska. ' .
Address: The Daily Nebraskan, Nebraska Union 34, t4th and R
Sts., Lincoln, Nebr. 6350R. Telephone 402-472-2588. ;
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Parents' insurance
often covers student
By Charles Johnson
Insurance sometimes can be a considerable expense for the
college student; how r, a student should check to see if he is
covered under his pa f.its policies before he buys his own policy,
according to one . local insurance agent.
"If ho is 13 or 19 years old, he probably doesn't need any
coveiago," he said. "You're included in parents' policies as long as
you're a resident of their household, even when you're away at
sdiool."
However, when a student gats married, his entire insurance
situation can change, said Miles Towle of the State Insurance
Dept. He pointed on nt nnrrieii t Merits lose the benefits that
they might have had under thtir in-.vii' fire and medical
insurance policies.
The basic types of insurance a student needs t3 con&ider arc ,
fire, health, automcbile and for married students, life.
Fire insurance includes property losses due to theft, fire and
other perils as well as personal liability. According to the agent, if
a student's parents have a homeowner's policy, he probably
doesn't need any coverage.
He said there are some problems involved in determining
whether students are residents of their parents homes so they will
qualify for benefits. "If a student has any question as to whether
his father 's homeowner's policy will cover his possessions at
school, he should get in writing from his agent that his personal
belongings will have the benefits of his policy at home," he said.
In the absence of a parent's policy, he suggested students buy
a tenant's homeowner's policy. , . '
Called a renter package policy by the local agent, it offers a
minimum of $4,000 coverage. For students in an apartment, he
estimated premium cost ct between $24 and $30 per person
annually.
' Towle recommended juyi.ig a myteriow4rfi3ppearance rider,,,
which states that proof of theft is riot netecryfor recefvifwftt-
claim. A person with expensive jewelry also"strOtlfttbuy a personal
article floater, he added. : ,
According to Nebraska law, car owners must carry personal
and property li-ibility insurance on their vehicles. It stipulates
$20,000 coverage for personal liability, not to exceed $10,000
for any one person, and $5,000 for property damages.
For students to obtain this basic coverage, they should see
their parents company, said the local agent. "It is nearly
impossible for students to get standard rates other than through
their parents' company," he said.
"Basically, a student only needs to meet the law for his
liability," the agent said. In addition, he recommended including ,
comprehensive, collision and uninsured motorists coverage In
one's policy.
Comprehensive coverage covers damage due to fire, wind,
theft and glass damage. Collision pays for damage "to, your own
car due to your negligence," said Towle. Both are usually
purchased in deductible policies. Uninsured motorists coverage
protects against bodily injuries caused by uninsured drivers.
Towle said the Stae Insurance Dept. would be glad to assist
students having trouble buying auto insurance. A private market
is available for students who desire insurance and can't obtain it
through their parents' companies, he said.
For a student under 23 who is accident and ticket free, Towle
estimated premium costs for his recommended package at $350
annually. .
Married students have less difficulty in obtaining coveiage,
according to the agent. He noted that insurance costs were less
for married students. ,
According to Towle, one can save money on insurance by
buying a car with an engine of less than 350 cir-ic inches, driving ..
an older car and, most important, having a good driving record.
Some companies offer discounts to good students, drivers of
compact cars, nonsmokers and nondr inkers, he 'idded.
Both Towle and the agent recommended UNL's Student
Health Coverage for students not covered by their parents'
policies.
Student . Health Coverage provides low cost comprehensive
health care for UNL students carrying foy or more semester
hours. Policies are available for single students, students and
spouses (including maternity), students arid family and accidental
death. ,
Again, they advised students to make sure they weren't
covered by their parents' policy before buying their own. Most
policies cover children through the age of 21 and many through
age 23, said tha local agent.
"Personally, the University program is pretty good coverage at ;
a pretty good pt ice," he said.
"In the absence of parents' coverage, I recommend the
Student Health policy because it's geared to wht cart be taken
care of by Student Heaith," Towle said.
"The average unman led etude nt doesn't need life insurance,"'
said Ronald F.lrmhau'.er ot the State Insurance Dept. Ha
recommended that mauled students purchase either a short term
or a small permanent policy, wiih options to buy more later.
He advised everyone to slay away from specialty policies
which allow students to borrow their first premium, and to shop
around for the best price.
He said a 20-year old student could tx; insured for $10,000 on
a short-term policy t h cost of about $00 a year,
thundery, may 2, 1974
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