I've got a couple of questions about the insurance at UPS. First of all: I am still on my parents insurance (since I'm in college) and was wondering if there is a way to NOT be on UPS's insurance? Second: I have heard that UPS's insurance is free. Is this true? Third: What would be some of your recommendations regarding UPS's insurance? Any help is appreciated as I have to decide by Friday what I am going to do.