The Washington times., 1930-06-10
DRIVING TESTS
:. URGED BY
LOOMS
Insurance Expert Shows That
Liability Policy viii Protect
Driver as Well as Injured
BY FRANK r. LOOMS

BY FRANK r. LOOMS
The problem of automobile
accidents is becoming so acute
that a remedy must soon be
found. If the increase in fatal
accidents Tor the next five years
continues ct the same rate as
during the past five years. there
will be approximately $4,000 per-
sons killed by automobiles in the
year 1894. ~,
More rigid tests for drivers
licenses and more severe penalties
for motor law tranSgressions
might remedy this situation some
what. Today the continued in
crease in both the frequency and
severity Of automobile accidents
Is Of grave concern to society in
general. Until the average citi.
zen realizes his responsibilities
and takes precautions that viii
tend towards safety, the problem
will not be solved.
States Make Studies
Most of the States are making
intensive studies of the autono.
bile hazard and have passed law
after law in an endeavor to safe.
guard their citizens against this
hazard.
One of the most recent laws,
passed by severel States. is the
compulsory liability automobile
insurance law compelling the
owner or driver Of q car to carry
liability insurance before he can
receive a State license or license
to drive. This, for the reason
that so many careless drivers are
irresponsible financially and can.
not reimburse the injured party.
Liability Insurance
Liability and property damage
insurance means that II the in
sured kills or injures anyone. or
If he causes damage to another
automobile or any property by
kcolliSion. the insurance company
steps in and protects him against
any suit for damages and the
present laws In most States allow
UP to $4,000 the damages may
warrant. This form Of automo
bile insurance, which every owner
or driver Of car should carry
under any circumstances, can be
purchased at q nominal cost. For
/ instance, on a moderate price
car, from $500 to $1,000, the cost
would be about $46 a year The
cost Of this, covering is very low
compared to the risk inVnlved
and no one driving an autolno
bile can possibly afford to be
without 1t.
/ While it is essential for the
protection of the pubic that LA
bility and property damage in
Surance be carried by every Cal
owner, there are other forms OF
coverage quite important to the
owner Of an automobile for his
own protection financis!ly-fire
and theft and collision insurance
Fire and theft insurance means
that If the insured car is stolen
or any Of the accessories. or u
the car is damaged or DESTROYED
by fire, he will be reimbursed by
the insurance, company for all loss
sustained.
Collision insurance means that
II the insured has a loss to his
! own car, caused by an accident
that damages same, the insur
apce company pays the repair
bills. E.
Consult Broker
Every automobile owner should
consult his insurance broker and
get the rates for the coverages
outlined above and the rates are
about the same in all companies
When telephoning for rates, II
win be necessary to give the
name of your car, cost of same
engine number, chassis number
and where stored; garage. etc
Then, ask for the rates as fol
lows: ~ Z.
Liability and property damage
fire and theft, collision irfSur
ance. -. =
The majority Of men are un
derinsured against fire! Fire in
surance is not expensive and full
protection is necessary.
Your fire insurance company
Is Just as important in selectins
carefully as Is your other lines oi
insurance.
Any insurance company or firm
will furnish you with an inven
tory blank for your household
goods, furniture. clothing, silver
ware, bags, pictures, jewelry, furs
etc. Get one Of these blanks
make Q complete inventory o.
everything contained in YOU
home, listing same at cost value
to you as nearly as possible
When you have done this, th'
chances are you will find your
4 self uaderinSured against burg
larry as well as against fire BY a
least so per cent.
HydttSUilLe Bank
y ~