1. Rachel’s Story… How does insurance protect you?

2. Rachel’s Story… Rachel lives in an apartment in Oshkosh. She just recently purchased her first car. Rachel also purchased auto insurance and parks the car in the parking lot right outside her bedroom window. What types of risk does Rachel currently have? How is she currently managing these risks?

3. Rachel’s Story… As Rachel was leaving her apartment one morning, she saw that someone had broken into her car. One of the windows had been smashed in, and a camera she had left on the passenger seat was gone. She called her dad to find out what to do. What do you think her dad told her to do?

4. Rachel’s Story… “The first thing you’ve got to do is call the insurance agent,” he said. “Your auto insurance will cover the broken window and anything else they might have messed up on the car. But … did you ever call him and sign up for that renters’ insurance we talked about last month?”

5. Rachel’s Story… “No,” Rachel said reluctantly, “I haven’t gotten around to doing that yet.” Will her auto insurance cover all of her stolen items?

6. Rachel’s Story… “Then you’re probably out of luck on the camera. Your auto insurance covers only the car itself— it doesn’t cover anything you leave in it. That is usually covered by your renters’ insurance,” he said.

7. Rachel’s Story… “I can’t afford a new camera right now!” she said.

8. Rachel’s Story… “Unfortunately, there’s nothing I can do about that. But while you’re filing a claim about the car, ask for a renters’ insurance application and fill it out. That way, if this ever happens again, you’ll be covered,” he said.

9. Rachel’s Story… “OK, OK, I’ll do it. Thanks, dad,” Rachel said before hanging up. Help Rachel complete her insurance claim.