Newspaper Page Text
The Bed and Black. VNednetday. May 2. 1979
looking for gems in today's consumer market
Insurance protects autos and victims
By ANN McNELLIS
Staff writer
If you were in an auto
accident this afternoon, would
you be able to cough up $30,000
in cash 0 Most people choke on
the very thought Yet state
law requires that each driver
be able to do just that—either
out of pocket or through
insurance. Most drivers go the
insurance route
The auto insurance route,
however, is not always well
marked This article will serve
as a partial map by which the
consumer can guide himself
through the morass of policy
types, variables affecting costs
and relevant state laws
Policy Types
Basically, there are three
policy types
Liability insurance "protects
you from damage that you
might do to someone else,
according to Risk Management
and Insurance Professor R E
Johnson. That is. it protects
you—up to the amount of
coverage against lawsuits for
injury or damage
The second type covers
physical damage to the driv
er’s car Collision insurance is
required on cars being fi
nanced. but it is not worth
while for older cars. Johnson
said.
Collision covers the differ
ence between the deductible
(what the policy holder agrees
to pay out of his own pocket»
and the actual cost of the
repair. (Note: If it is cheaper
to replace the auto than to
have it repaired.insurance
companies will do so. > Johnson
recommends taking a deduc
tion of between $100 and $250.
lie cited two reasons for doing
so.
Eirst. the bigger the deduct
ible. the cheaper that part of
the policy will be. Second,
since most people do not report
small accidents to their
insurance companies for fear
of having their rates increased
or insurance cancelled, they do
not benefit from a small
deductible
Comprehensive insurance
covers other damage to the
policy holder's car damage
not sustained in an accident.
( Accident related damage
would be covered under
collision insurance > That is. it
covers damage done by theft,
animals, fire, and weather,
among others This is a
relatively cheap type of
insurance (perhaps 25 percent
i
of the cost of collision), John
son said A minority of
insurance companies lower
rates farther by providing
deductible clauses
No-fault is the third insur
ance type Georgia law re
quires it. Johnson said No-
fanlf insurance does not cover
property damage It does
pi-ovide each Person’s financial
losses up to $2,500 will be borne
by his own insurance company.
The injured party can collect
anything over that from the
person liable
Cost Factors
Costs of a given policy vary
from person to person because
several variables can affect
insurance rates.
Factors which might reduce
policy costs include a safe
driving record, good grades
‘such students are presumed
to be more conservative),
favorable results on a psycho
logical test (as yet. they are
not widely administered) and
living in a rural area
The following factors might
result in higher rates Living in
the city, accumulated speeding
violations and citations for
careless driving are some of
the more common Being
involved in too many acci
dents regardless of who was
at fault can also result in a
rate increase. If. for instance,
a driver is hit in the rear five
times and is. therefore, not
held liable, his insurance
company may nonetheless
conclude that he is somehow at
fault and raise his rates.
Georgia Insurance Law
If damages in any accident
m Georgia exceed $250, the
accident must be reported to
the police, according to the
State Highway Patrol. At that
point, each party to the
accident must demonstrate
proof of insurance.
Accident information is then
entered into a computer to
which the insurance companies
have access, according to
Johnson
If. as a result of this or any
other information, an insur
ance company refuses or
cancels coverage, then the
consumer can fall back on
state law which provides that
each licensed driver is entitled
to liabilitv insurance If no
e/4n£Wer£
I understand that certain medica
tions are not effective if taken with
certain foods or liquids. Is this so?
Yes. the effectiveness of some medica
tions and vitamins, too. depends upon the
manner in which they are taken Many of
the antibiotics frequently dispensed by
Health Services are most effective on an
empty stomach, since milk, cheese, and
other foods interfere with their absorption
On the other hand, the absorption and.
hence, the effectiveness of aspirin is thought
to be increased when it is consumed with
vitamin (’
Pharmacists also recommend that certain
vitamins, especially those with iron, be
consumed with food to minimize stomach
upset, according to Pharmacist Ted Chaffin
of the University Health Services
Since the effectiveness of both medica
tions and vitamins vary considerably
according to how they are taken, one shold
ask the pharmacist how to take each new
prescription A. M.
Who do I contact for help with
insurance questions and problems?
Last year, the Claims Department of
Georgia's Insurance Department in Atlanta
handled 109.104 consumer inquiries and
complaints related to insurance of all kinds.
In addition to following up on complaints,
investigators help the consumer understand
the terms ol policies and can even provide
information on the insurance companies
The lour field investigators travel around
the state meeting with the public at the
county seats about once each month A field
mvesiigator will be available in Athens at the
Courthouse on May 23 and June II.
Between visits, one can call the Claims
Department in Atlanta for assistance. The
phone number is SS9*MI9 \ M.
Does the "pull date" stamped on
grocery store products mean that’s
the last day they are safe to
consume?
No. The pull date on the product is only
the last day a retail store may sell the item
as fresh. Claudia Noles of the Clarke
County Extension Service reported
The date is designed to allow you a
reasonable amount of lime to store and use
the product at home even if it is purchased
on the pull date. Noles explained
After the pull date, she added, the amount
of safe home-storage time is determined by
the processors, based on their knowledge of
the particular product and its shelf life
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