Evening star., 1923-04-01
DEDUCTABLE AUTO INSURANCE
IS URGED AS MOST ADEQUATE
William Ullman Explains Various Handi-
caps to Motorists In Selecting Proper
Coverage for Their Cars.

I because he did not study it carefully.
When you are only covered by a
| $4,000 $4,000 liability policy it merely
requires a Judgment of $4,000 in
| favor of some one person your car
| has injured to set you back $4,000.
Recent newspaper headlines which
report judgments as high as $4,000
! for injuries to one person prove that
, the above case is exceptionally con-
servative. The point is, that buying
I insurance too confidently is just as
bad as buying ii haphaZardly or
! stlntingly, even though one may put
in an order for full coverage" all
around
| AS matter of fact full coverage is
not reality. No insurance is Of
fered which will fully cover any mo-
lorist against all the monetary loss
: which may befall him. Obviously
! there is no limit to the amount of
| property damage and personal injury
which an automobile Is capable of
| doing. All the prudent car owner
can do is to provide for insurance
coVerage which-from experience
] would seem ample
Even over on the fire and theft
| counter 1t is seen that full coverage
! Is more or less of an impoSsibility.
| Adjustments for total losses are made
on basis of the value OF the car at
| the time of loss, which may be a far
! cry from what the owner originally
! cost him to buy new one Few
there are who can mistake a stone
wall for concrete highway and boast
/ on the morrow of having bought
! new car or like size, pep and quality
with the insurance company's draft
! ASK any underwater what he con-
SlderS the most important form of
autom0blle Insurance to carry and
| he Will reply. Liability" Further
more he will stipulate the higher
| limits, mentioning the $4,000 $40. 900
form as most suitable for present
conditions. The motorist can run
! the RISK OF not carrying fire or theft
/ insurance, knowing that in event of
/ loss he cannot possibly be a self
insurer to more than the extent of
the value of the car. But when he
/ has lawsuits and the courts to face
| there IS no economy in running the
| risk Of being financially wiped out.
Liability Limits.
The higher liability limits are de-
! signed so that the premium cost is
| by no means proportional to the in
centive TO he more fully covered
against loss by reason of the liability
| imposed upon the car owner by law
! for dana geS on account of personal
/ injury to others. 1t offers the mo-
/ torist an opportunity to buy addi
4 tional coverage at what amounts to
IL discount. In reality the difference
/ in premium cost between the Couren-
! tlNlldI 9o,uU"-S lu,opu anu lHt S-V,'uV-
/ 100000 form is so moderate that it
would be good economy to take ad-
vantage of it even were it not so
/ vitally necessary.
! Before fully deciding on the amount
! of liability insurance he ought to
carry. the motorist should review his
own record as d driver. If he is
habitually though unintentionally
! careless, or if he is nervous or in
! competent, he would be making a
m c a ha all ba
temporary weakness of his bank bal
ance influence him to "economiZe" on
liability Coverage. Particularly is this
! Continued on Seventh Page)