The sun., 1919-03-16
CAR INSURANCE
VERY NECESSARY
Gives Owner Peace of Mind
and Thoroughly Protects
His Automobile.

The man who comes to talk insurance
seldom receives q cordial welcome. In
the FIRST place he directs the victin's at
tention TO subjects that are not alto
gether pleasant TO contemplate, Illness,
accident and death. In the second place
he is urging 20 payment OF more or
less considerable sum of money for some
thing that will not give the payer pleas
ure or comfort, but merely protection
for dependents
And perhaps tho proud possessor OF n
brand new automobile will feel the same
way when we earnestly advise him that
he should never take his purchase out on
the road until he has fully protected
himself and II against any chance blow
OF capricious fate, Automobile insurance
has grown from very small beginnings a
few years ago TO an enormous industry.
When this form OF protection lie carefully
selected the car owner Is practically i'm
mune from pecunary loss through acct
dent. No man with a modicum OF good
common sense will ever take a car on the
road without being so protected.
The understanding of what constitutes
satisfactory protection in the Use OF n
fused even in the motoring community.
have met scores OF car owners who have
covered their cars and themselves with
policies and vet VINO are extremely haZy
as to the exact limits OF the protection
they enjoy. This is absolutely wrong.
The car owner should know exactly what
protection he has bought. Suppose We
glance briefly at what automobile insur-
ance really means and what the car
tn, ,Oft he
10 60 be really safe.
Automobile insurance may be divided
into four major classes First comes Are
risk, which almost every one carries,
then collision damage to the vehicle.
property damage, which covers injury
done by the car to another vehicle or
other property, and finally liability.
believe that every thinking man will
agree that the last is the most impor-
tant Damage through fire or collision
10 limited to the value OF the vehicle In
volved. Damages awarded to an injured
person In the courts may run to as much
as $4,000. Several verdicts OF this
amount have been brought in. and for
tho ordinary man this means something
very like ruin.
Now, liability Insurance is the most
expensive OF the lot. On what Is known
as the standard policy, for car of say
thirty horsepower. the premium for La
bility insurance will be in the neighbor-
hood Of sea. This Is moro than twice as
much as any OF the other classes cost,
and many men are tempted to under
write themselves and save the original
outlay. The only advice TO be given
any one trying 10 save money in this
way Is Mr.. Punch's advice to young
man about to be married: Don't" Let
US put it another way. II one were
about to buy a car and yet felt that the
added cost Of taking out liability insur-
ancc was too much for him, we would
frankly advise him not to buy car
In addition to covering damages as
sessed by the courts for injuries inflicted.
the standard insurance policy places the
costs OF defending such suits on the In
suring company. Such companies have
the best attorneys obtainable as mini
MIXING damages is part Of their business
enterprise. They also pay for medical
attentions given at the time Of the acct
dent
The other classes OF automobile insur-
ance are more obviously necessary and
almost every car owner appreciates the
need for them. Fire is always a posi-
bility about vehicle that derives its
power from a highly infiammable liquid
Hike Gasclene. Yet fire insurance is COM
paratively cheap. on the standard pol
icy for a medium priced car il will run
about SIS per year. There is not much
need for emphasizing the necessity for
are insurance. but any car owner who Is
not so covered should instantly take out
a policy.
Collision insurance protects the car
against damage suffered in The course OF
any accident Any one who has driven
much on our crowded thoroughfares un-
derstsnds the ever present possibility Of
damage to his vehicle through no fault
of his own and will gladly pay the $40