Great Falls tribune. [volume] (Great Falls, Mont.) 1921-current, 1922-06-11
Barney 0ld6f@@d says:
Copyright. 1922. by King Feature Service
is YOUR CAR INSUREO2

/ have always felt that every owner
Of an automobile ought to carry at
least one form Of insurance and that
is liability. While the other forms are
protective, liability involves injury or
death of a human being and if there
is no protection to the owner and IT
he is unable to pay damages the in
jured one has no means of getting any
money to pay for loss of time, doctor
bills, etc.
A mans car may be stolen or smash
es, or he may injure another persons
property. but all these are material
things and after all any material loss
can be compensated for eventually. A
human life can never be restored. a
severed limb cannot be made to grow
again. The point I wish to make is
that il no other form of insurance is
carried an owner should carry liabi-
lily for at least $1,000. Policies in
different states vary somewhat, but
usually the so-called $1,000 and $1O,-
600 liability policy is issued. In the
former the full amount is collectable
if the injuries amount to $1,000 to one
person and the larger figure covers
two or more persons injured.
Other Forms
Other forms Of insurance are COLI
sion, property damage, fire and theft.
Fire and theft usually go together the
rate for the former being very low
and because it is low practically every
car owner carries it. 1t covers fire
whether caused in the garage. ON the
street or in transportation. Theft in
surance comes pretty high for some
cars and in some states they will not
insure certain cars against theft.
Theft insurance premiums are reduced
about Is per cent if an approved form
of lock is provided and in some states
if the lock is not provided the pre-
MUM is increased by SO. This makes
it prohibit;Ye 10 81 wit'1,N the lock.
average car owner who fits a really
worth while lock. can dispense with
theft insurance altogether. If a car
is securely locked a thief will not touch
it unless you give him a couple of
hours in which to work. If the lock
is one that is easily broken or picked
in all probability it is not an approved
one. Such locks should not be our
chased.
From all the information I have been
able to gather it is a pretty safe bet
for an owner to lock his car and for
get about theft insurance. if he has
one of approved locks. 1t is a wonder
to me that these lock companies that
claim SO much for their products do
not issue an insurance policy with
each lock and thus show that they
think as much as their product as they
claim.
In Case Of Collision
In collision insurance you are pro-
tected against damage to your car in
case of collision. The premium on
this insurance is reduced if an ap-
proved form of bumper is installed
on the car. Whether you are expert
enced or not the bumper is a good
thing to have. especially in the rear.
A good driver can control things in
front of him but he has no control
over the driver behind him. ] believe
a rear bumper is more important than
q front one, though when both are
installed you are protected against
broken lamps, tenders and radiator,
etc. in either direction. In this form
of insurance there are various types
of policies issued called $50 or 500
d%eductable. Any deductable policy
means that the amount specified must
be carried by the car owner and any
damage above that amount is paid by
the insurance company.
In the property damage policy you
are protected in case you damage an
other persons property.
Care In Choosing Company
While it is an easy matter for the
car owner to decide the kind of in
surance he ought to carry, it is not so
easy to pick the company in which to
carry it. Beware Of the company that
hasn't a hip S~urpIus comp8rpd with