ft: m [I THE FAMILY CIRCUS "Thank you, door!" More Difficult to Buy Auto Insurance Homicides Increase First Six Months NEW YORK (AP) - Homicides in the city have risen 30.1 per cent for . the first six months of 1971 as compared with a similar period last year, says Dr. Milton Helpern, chief medical examiner. - The borough of Manhattan led with 389 murders. Brooklyn was next with 388. Homicides from January to June totaled 714. Most of those murdered were Negroes. Changes Name to Z CANBERRA, Australia (AP) — Barry John Thomas, 19, a Canberra computer operator, has changed his name to one letter-Z. Editor's Note: The following article examines a growing trend that is making it more difficult for many Americans to get auto insurance. (Related Story Page 17) By DONALD M. ROTHBERG Associated Press Writer WASHINGTON (AP) Americans who have never had an auto accident or a traffic ticket are finding themselves classed as bad risks by insurance companies leery of where they live or how they earn a living. People like Francis Barto of Chicago who pays $749 a year for auto insurance. "I am 57, have not had an accident in 30 years," Barto told a Senate subcommittee. "My policy went up $175 without any accidents." Or Clarence Mitchell III, a Maryland state senator. He had an accident-free record but his insurance company told him it wouldn't renew his policy. No reason was given. A second company rejected his application, also without giving a reason. Cases like these explain why health and auto insurance turned up as the top two concerns among American con sumers in a poll commissioned by the White House. They also are responsible for a series of bills pending in congress to force changes on the mammoth insurance industry. In the case of State Sen. Mitchell, a state investigation disclosed that Allstate Insurance Co., the nation's second largest auto insurer, had designated certain Baltimore neighborhoods, including his, as "special marketing territories' where it was refusing to write or renew policies unless the vehicles were garaged. The company argued that losses from vandalism and crime made it impossible to make a profit, so Mitchell became an assigned risk and pays $500 for coverage that cost $200 on the open market. In every major city there are] similar stories.. Premiums based on crowded streets and crime rates run as high as,$587 in Los Angeles, $706 in Philadelphia and $486 in Detroit. "It is often assumed incorrectly that only drivers with demonstrably poor driving records populate assigned-risk plans," said a Department of Transportation study of auto insurance. "Would you agree that where you live has nothing to do with whether or not a person is a good or bad driver?" counsel for the Senate subcommittee asked Donald P. McHugh, a vice president of State Farm Mutual, the largest auto insurance company. "Where you live may in itself have nothing to do with whether or not you are a good or bad driver, but where you live will have a good deal to do with the number of accidents you may be involved in and with the losses you will suffer," replied McHugh. Francis Bartt lives in Chicago. If he lived eight miles west in suburban Berwyn his premium would have dropped $8 instead of going up $175/ "The allegation has been made that you have raised your rates in the inner city in order to better compete in the suburbs," said the subcommittee counsel. "What is your reaction to that?" "Our reaction to that is that the rates which we have adopted have reflected the actual experiences in, the inner- Page 16 The Hutchinson News Wednesday, September 15,1971 city area," said McHugh. "The rates which we have adopted in the suburban areas reflected the actual experience in the inner-city area," said McHugh. "The rates which we have adopted in the suburban areas reflect accurately and precisely the loss indiations in those areas." High rates and limited availability are two complaints about the system covering cars that are easy to damage and expensive to repair. Here are some others: —In 1970, auto insurance companies collected $13 billion in liability and collision. premiums and paid out $6.4 billion to accident victims, but another $8.3 billion in property damage, medical bills and lost wages never was recovered by victims. —In every state except Massachusetts, the driver judged at fault in an accident recovers little, if anything. —People buy liability insurance to pay the other driver's bills in case they are judged at fault. Liability insurance pays none of the policyholder's own losses. men's better sweaters Regularly $7.88 Styled for the casual, sporting life! Handsome button-front cardigans or V-Neck pullovers in all wools or all Or$h. All in the newest fashion colors. Sizes Small, Medium, Large,' Extra-Large. 11 1- young men s flare jeans 'Hottest fashion on the scene! Permanent press with boldly flared legs, wide belt loops, patch or scoop pockets. Polyester and cotton denim in your choice of solid colors or stripes. 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