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About Eugene register-guard. (Eugene, Or.) 1930-1983 | View Entire Issue (Oct. 21, 1962)
V What You Should Know About Auto Insurance T 11 WHY AUTO-INSURANCE RATES ARE GOING UP Married women are sharing this secret I ... the new, easier, surer protection I for those most intimate marriage problems 1 What a blessing lo be able to trust . in the wonderful germicidal protection Norforms can give you. Norforms have a highly perfected new for mula that releases antiseptic and germicidal ingredients with long lasting action. The. exclusive new base melts at body temperature, forming a powerful protective film that guards (but will not harm) the delicate tissues. rnd Norforms' deodorant protection has been tested in a hospital clinic and found to be more effective than anything it had ever used. Nor forms eliminate (rather than cover up) embarrassing odors, yet have no "medicine" or "disinfectant" odor themselves. And what convenience These small feminine suppositories are so easy and convenient to use. Just insert no apparatus, mixing or measuring. They're greaseless and they keep in any climate. Now available in new packages i of 6, as well as 12 and 24. Also j available in Canada. Tited by doctors . . . trusted by women . . . proved in hospital clinics t IWrMllTOOIII Norforms" ' mobwicm moouct Ffttf information Norformi booklet JuM mail ihu coupon lo Dcpt.FW-210-31 Norwich Pharmacol Co., Norwich, N.Y. Plraie lend iw the new Norfunra booklet, plain envelop. Cily 7rmi Sfa tc FEEL UNIMPORTANT in life? A prisoner of routine at home . . . cog in the office machinery . . . speck in the population explosion? You always will feel this way ... until you find your real purpose in life! Let us help you. f. Oh. JZQ n r-tfl r"-Vl. tWHO II AM H Once you learn how to make God a part of each day's living, you'll get a sense of belonging you've never felt before. Only then will you understand why you're here on earth. Why you, as an individ ual, are very important to God, even with all your faults. Only then will you begin living with a purpose, instead of just living. How do you begin to make God a part of your life? Many people find it very difficult. The helpful answers in this booklet can make your first step much easier .'. . and it's free. Send today for: WHO AM I? WHY NOT FIND OUT FOR YOURSELF? LUTHERAN LAYMEN'S LEAGUE. Dept. A 2185 Hampton Avenue. St. Loult 10. Missouri - -PtMso sendm plain onvBlopo. without cost or oolwtion-o copy ol the 35-w boo. WHO AM I? NAME ADDRESS . Yes, rates are going up but there are save money and still get the coverage you need CITY JOM HIAR THl LUTHERAN HOUR e ON RADIO e STATE : EVERY SUNDAY YOUR AUTOMOBILE INSURANCE has gone up in the past 10 years the cost of liability cover age, for example, has risen, more than 30 percent. Yet insurance firms say you still don't pay . enough to cover the $4 billion they return each year in claims. Right now, insurance companies in some states are asking for certain rate increases to help them dilute the red ink which, since World War II, has amounted to $1 billion for. liability insurance. Despite the glum statistics, there are real bargains in automobile insurance for you as an individual auto owner, and you don't have to sacrifice that vital protection' which may save you from financial ruin should you have a serious accident. Take an inventory of what leading in surance companies have to offer good drivers and their families, and see if you are getting the most for your money: Are you a safe driver? Under safe driving plans, you can get a handsome dis count if you and your family have driven without an accident or serious traffic vio lation for three years. Say you live in a Midwestern city of 60,000 (remember, rates vary widely by region and driver classification) and your premium is $63 for bodily injury liability coverage of $25,000 for each person and $50,000 for each accident, and property damage liability coverage of $5,000 for each accident. If you qualify as a safe . driver, the premium would drop to $54. Have you a "special" automobile policy? Briefly, this is a "package deal." It wraps up liability, medical payments, collision, comprehensive, and other cover ages in one policy. In that Midwestern city, for example, coverages that would cost you $121 if bought individually, would come to only $100 as a package. Young male driver in the family? If you have, expect a bigger insurance bill. Drivers under 25 are involved in 29.7 per centof all accidents although they account for only 18.4 percent of all drivers. However, you can trim the added ex pense by having him complete a recognized driver-education program. Here's how pre miums would be affected in the city we are UlUSTHAIION IV I Family Weekly, October 21. 1961 using as an example. Pop was paying $70 for insurance, but when Junior started to drive it went up to $133. Proof that Junior passed a high-school driving course re duced the premium to $120. Covered where you need it most? Most auto owners aren't insured enough against personal-injury claims, especially with juries handing out large verdicts. Many plaintiffs today look on an accident as a once-in-a-lifetime opportunity to hit the jackpot. One woman, for example, merely witnessed an automobile accident that left her untouched but she won an award of $90,000 because the sight, she said, caused severe physical reactions. At the minimum, you should cany $25,000 for each person and $50,000 for each accident. Take an owner whose tight budget limited him to a $10,000-$20,000 policy with a $100 premium. He also paid $15 for full comprehensive (coverage for all dam age costs other than that incurred in a collision) and $53 for $50 deductible colli sion (owner pays first $50 in repairs after a collision, insurance company the rest). Total cost: $168. His car is four years old and has de preciated in value to less than $1,500. It may be time he took more risks on losses to the car and covered himself better in the liability area. For example, he could get $50 deductible comprehensive (he pays first $50 on noncollision accidents) which costs $7; he changes the collision insurance to $100 deductible (he assumes first $100 of repairs) at a cost of $34. Now his total cost is $141 a $27 saving that's enough to pay for $25,000-$50,000 liability. Two cars at home? Say both you and your wife have cars. If you insure them separately, you're losing money be cause a joint policy may qualify you for a 20 percent discount on liability for each car and 10 percent off on collision in surance on each. Belong to a special group? If you are a farmer or rancher, you may' qualify for a preferred rate from general insurers up to 30 percent on liability and collision premiums. Some companies insure only certain people teetotalers, retired U.S. military personnel, government employees. By being extremely selective, these firms can reduce their premiums. 0ENAD OWEN 5 g j plans under which you can By JACK RYAN More Accidents 11 million in 1961, twice the number that occurred in 1943. More Injuries. Deaths Three million injured in 1961 and 38,000 killed a startling increase of 154 per cent over 1942. More Claims 1.5 million persons filed liability claims In 1961, which was more than double the figure for 1942. Bigger Settlements Bodily Injury claims increased 131 per cent since 1939 (average today: $1,005) while property claims climbed 346 per cent in the same period. Bigger Jury Awards In New York State, the average jury award for bodily injury rose from $3,500 In 1941 to $11,175 In 1959; in one Oklahoma county, such awards rose 573 percent, or 22 times the Increase in the cost of living. Costly Auto Repairs In 1953, it cost $24.50 to replace a front fender; now it's $45.65. A new wind shield used to cost $38; today It's $134. Costly People Repairs Between 1950 and I960, hospital-room rates rose 109 percent. Fraudulent Claims Insurance experts claim 75 percent of today's claims are tainted with some de gree of cheating. f ! r? ' ' ' - 43 BimimHiilHHHiiiHaffiHSraraBfiliffiiKHHHIHHmuimM f I . fj GUARDIAN MAINTENANCE SERVICEMEN... 1 - " V'W AND SMJJdXX. r Vjk TO CARE FOR !": YOUR GM CAR! SgbJ School's never out for thousands of GM dealer servicemen! And that's good for you and your car. Year after year, these technicians go back to General Motors Training Centers to keep up with GM's engineering advances ... to learn the latest techniques in car care and repair. They service your car the Guardian Maintenance way using genuine GM parts and the finest diagnostic equipment. All are important reasons for seeing your General Motors dealer before buying any new car. BEST KIND OF C FOR THE BEST OF CARS AND TR CARE KIND ) UCKS II C Guardian Maintenance CHEVROLET PONTIAC OLDSMOBILE BUICK CADILLAC GMC TRUCK
