Galesburg Register-Mail from Galesburg, Illinois on May 24, 1973 · Page 24
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May 24, 1973

Galesburg Register-Mail from Galesburg, Illinois · Page 24

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Galesburg, Illinois
Issue Date:
Thursday, May 24, 1973
Page:
Page 24
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Page 24 article text (OCR)

t'j ^fl'. . .Qgf#ribHlfitt:.R #Qis »gf^MoH^,, j^tegtouro # HI. Thursday, May 24, 1973 Travel Plans? Make Sure No-Fault Gap Is Covered By CARLTON SMITH To avoid posslWy serious financial trouble, don 't fail to m Peraonal Ftnaaee Jg Clteck out your auto insurance » before doing any out-of-state SfciX> ii i ij- -i m _il -• unfif •-, • II u SMI driving this spring and sum* mer. There's a problem with insurance laws in several states which could mean that a visiting motorist, hit by a resi* dent's car, would be left with no way to recover for injuries i %)ecialGifeiarth&t GWDUATl WATCHES • Elgin • Bulova Acutron • Ball • Time* Speidel Watch Bands Cross Pen & Pencil Sets Speidel Identification Bracelets Clocks — Music Boxes MANY OTHER GIFT SUGGESTIONS Official Burlington Northern ft Santa Fe Time Inspector Located El«« Marie Shop — 314 E. Main to driver or passengers. What has occasioned the problem is (ho enactment in 15 states of MHtauU insurance plans. While (here's considerable variation in the plans from one state to another, the basic principle of no-fault insurance is that When there are injuries in an accident, your own insurance company reimburses you. SUCH "FlRSrr -PARTY payments" take the place of the traditional system under which you argue about who was at fault; go to court to establish that one driver or the other was guilty of negligence, and then collect from his insurance company, via his liability coverage. Thus, a genuine no-fault plan eliminates liability insurance — and lawsuits, except in the case of, death or serious, disabling Injuries. Some states have plans that are no- fault in name only; everyone still carries liability, and the drivers still sue each other. The genuine no-fault states restrict the traditional recovery via the courts with "thresholds." You can't sue for example, unless medical expenses amount to more than $2,000. LET'S SAY THAT you're from a state that's still on the traditional tort liability system, and you're driving in a no-fault state that bars suits where losses are under $2,000. You're hit by a resident driver, and medical bills for you and your passengers total $1,500. Can you recover? Not in the traditional way. That is, not from the other driver's insurance company, through his liability coverage. This state's no-fault law probably says that any driver, resident or out-of-state, is required to carry "firs t- party" (no-fault) coverage in a certain amount. That's how you're compensated for your losses — directly by your own insurance company, just as a resident of the state is. This has created a problem, which the insurance industry is moving to solve. The Insurance Services Of* fice, which serves more than 500 of the nation's auto insurance companies, has just announced that beginning June 1, policyholders in these companies will automatically have any benefits required to conform to the insurance laws of other states. MANY OF THE independent insurance companies (not affiliated with ISO) are following suit, or have already given their policyholders this automatic out-of-state coverage. But meanwhile, until all the gaps are closed, a lot of motorists are going to be driving around, blissfully unaware that they are, for all practical purposes, uninsured. (Your "medical payments" coverage — if that's included in your policy — will cover medical expenses within the stipulated limits, however.) Before starting off across country — or even across the nearest state line — you may spare yourself some heavy economic losses With the following precautions: • Check with your insurance agent to find out whether your company has automatic extension of policy benefits, to meet out-of-state requirements of no-fault coverage, and of financial responsibility laws. • Make sure you have such coverage now, if you're going out-of-state — not just that you'll have it after June 1. • Don't take anybody's word for this. Make sure you have an endorsement to your policy, in writing. • If you don't have these automatic benefits, and you're going to do out-of-state driving, find out what the statutory requirements are in the states you're planning to visit. BlENOeO CANADIAN WHISKY. 80 PROOF. IMPORTED BY* 1972 HEUBIEIN, INC, HARTFORD, CONN. Mi Mi m i» m m m m m m m # SQUIRREL CHARCOAL BRIQUITS 10 Lb. Bag BAR-B-QUE GRILL 16" ALUMINUM KETTLE GRILL #1103 $ 17.88 COLEMAN Double Mantel GASOLINE LANTERN $ Model No. 1022 11.88 Coleman Fuel For Gasoline Stoves Lanterns & Heaters l Gal. ALUMINUM FRAME CAMP COT $ ONLY LAWN AND PORCH FOLDING FURNITURE Folding Chairs RECLINERS - Baseball Glove & Ball Set Baseball Bats NESCO Baseball Glove #1090 $C29 ONLY PLASTIC BAR-B-QUE GRILL COVERS #601 ONLY 1 GALLON PICNIC JUG FAMILY SIZE No. BL 560 99 only $ 1 FISHING LURES <A For (M 4 Days Sfff Only *M8I 30% OFF BASEBALL CAPS Assorted Colors $119 Safeguard Beige Deodorant SOAP 3'/ 2 oz. 2 29c SOFTBALL KAPAK CARE REGULATION No. RB454 ONLY Maalox ANTACID 12 oz. Size CLOROX 1/2 GALLON ONLY BUBBLE CLUB FUN BATH MODESS Super & Regular 40 NAPKINS $119 ONLY MISS BRECK HAIR SPRAY • Regular • Super • Unscented 13 oz. Frisbees Fun For The Entire Family Reg. $1.37 NOW ONLY We Have A Full Selection of Memorial Day Wreaths V A l U A H I t l out' 34b., 1-Oz. Giant Size i llllllll Giant Size A ^Bt TIDE 69' ONLY \0 %J QOOO = ONLY GIBSON'S WITH THIS COUPON I OFFER IXPIMS May 28 LIMIT 1 COUPON PIR PURCHASE HUSKY Ice Cream FREEZERS 4 Qt. Hand Freezer No. 6504 Only $g19 4-Qt. Electric FREEZER No. 6940 $ PAMPERS TODDLERS 12's c ONLY 14" Prices Effective thru Mon. # May 28 169 N. Broad St. $469 Galesburg, III. CsilBSON'S j DISCOUNT CENTERS HOURS: Mon. thru Sal. 9 AM to 8 PM Sunday 12 Noon to 5 p.m. Memorial Day STORE HOURS: 12 Noon to 5 p.m. CAPRI FOAMING BATH OIL (SARDINIA PINE FLORAL AND NARCISSUS 64 oz. {

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