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Questions and answers from the Georgia
Insurance Commissioner John Oxendine
Q: I carry full insurance cover
age on my car. What protection
does that give me if a deer or
other anihial runs out in front of
my car?
A: Damage from a collision
with an anima! generally is cov
ered by comprehensive insur
ance. However, some insurance
companies will provide that cov
erage under the collision portion
of your policy. Check your poli
cy to learn which is true in your
case. If you hit an animal and
you do not have the required
comprehensive or collision
insurance, you will almost cer
tainly have to pay for the dam
age yourself. Owners of cattle or
other domestic animals are gen
erally not considered liable for
an animal’s being on the road,
unless there is a history of negli
gence on the owner’s part.
If you have the required cover
age, you will pay the deductible
and your auto insurance carrier
will pay the rest, up to the full
amount if it does not exceed the
insured value of that vehicle.
Q: 1 am about to buy the car of
my dreams. Any ideas on how I
can best protect it?
A: An important early consid
eration when buying a new car is
insurance. Be sure you have ade
quate insurance protection, and.
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don’t assume it will cost the
same amount it did for the last
car you bought, especially for
collision and comprehensive.
Unfortunately, the car of your
dreams may also be the car of
some enterprising thief’s dreams.
Let’s consider a few common
sense rules that can help you
protect your vehicle from theft.
When parking in a public place,
choose a well lighted spot where
people are coming and going, if
at all possible.
And of course you should lock
the car and take the keys each
time you park it. Don’t leave
packages or other tempting items
in view inside the car as they
attract thieves. Not only will
your car be damaged if someone
breaks in, but your insurance
may provide little or no coverage
of the contents of the packages.
What your insurance company
may do, through, is offer dis
counts for a permanently
installed anti-theft device such as
a car alarm. The type of anti
theft device that locks on the
steering column can send a
strong visual message that may
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OVER 11,000 SQ. FEET OF QUALITY NAME BRAND HOME FURNISHINGS
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GOVERNMENT
discourage thieves, though it
may not earn you an insurance
discount.
The measures discussed here
will not keep your car from all
harm, but they should provide
some protection.
Please send your insurance
questions to:
Insurance Commissioner John
Oxendine
(fhristmas^S^sss&
Special: jSssEg-
Home's on lot os is. ar-t
Furnished FREE With
Purchase of Any Home. Featuring The Home Os
/ CONiiECfißiiN Hwy - 4 l s i, l X s ’ ndM -
Offer Good Through 12-24-98 (Noon) (Across from Hardy Ford)
Seatbelt safety
The City of Cumming
Police and Advanced
Ambulance recently
joined forces to check
seal belts and child
safety usage, this was
done to better prepare
people for the recent
holiday weekend.
Photo/Tom Brooks
716 West Tower
2 Martin Luther King Jr. Drive
Atlanta, Georgia 30334
Or call (404) 656-2070 (out
side the Atlanta area call 1-800-
656-2298), Monday through
Friday, 8 a.m. to 7 p.m., for
assistance with an insurance
question.
TDD Service Available at
(404) 656-4031.
FORSYTH COUNTY NEWS Wednesday, December 2, IMS
Georgia clears the;
way for safer roads •
A Georgia initiative to clear
the way for safer roadsides has
been honored with a national
safety award. The state’s Clear
Roadside Program won the
“Best Overall Operational
Improvements” award in the
1998 FHWA Administrator’s
Biennial Safety Awards com
petition.
Serving as Chairman of the
Clear Roadside Program is
Georgia DOT State Utilities
Engineer Dudley Ellis. “The
Georgia DOT has worked dili
gently with our partners in this
program to enhance roadway
safety,” Ellis said. “We are
very pleased to be recognized
by FHWA for these efforts.”
The Clear Roadside Program
is a collaborative effort
between the Georgia DOT and
state utility industries through
the Georgia Utilities
Coordinating Council. The
program seeks to create a safer
area along all of Georgia’s
U.S. and State Routes within
30 years by relocating utility
Carlson
Wagonlit
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I Carnival. |PARIS •
MOUNTAIN 1999 SPRING FROM >699
KEbOKI OVERNIGHT ’Roundtrip airfare
FREE LIFT TICKETS CRUISE TO NOWHERE ’IShOTFI ' '
(11/20-12/18/98) ~8 9. ,2 19 .XS..;'
3 NIGHTS-From 472 * rate INCLUDES BRKFSTDAILY ,
5 NIGHTS-From s 2BO OPEN BAR. DINNER .DEPARTURES
7 NIGHTS-From $ 392 & GRATUITIES 11/17-3/25
poles away from the edge of
the roadway. To date, hundreds
of poles already have beqn
relocated along various sec-,
tions of roadway statewide. • x
“Safety is President Clinton’s
highest transportation priority,
and improving the safety of our
nation's roadways helps meet
that goal,” Federal Highway
Administrator Kenneth. R.
Wykle said. “By recognizing
outstanding state and lopal
safety achievements, we hpvs
the opportunity to formally
thank our partners and stake
holders for their contribu
tions.”
The FHWA conducts a bien
nial Safety Awards competition
to honor outstanding
ments in producing a safer
roadway environment. The
winners of the 1998 competi
tion were announced in Boston
on Nov. 8 in a ceremony held
in conjunction with a meeting
of the American Association of
State Highway ano
Transportation Officials.
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