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Clinton News-Record, 1985-3-6, Page 10Multiple claims spark new plans By James Friel In recent years, the multiple claims on insurance agencies have'reached unwieldy proportions which threaten financial harm to the companies. As a result, the Canadian Council of. Superintendents of Insurance has instituted a new plan to limit the number of people eligible to sue in case of injury or death in a vehicular accident. Formerly, any person injured in, or by an accident could sue the person deemed responsible for more than the responsible person's insurance limit. In the case of multiple claims, the limit was often topped by awards handed out by the judge trying the case. Now the Family Protection Endorsement, also known as the SEF 44, can financially assist an individual if he or she is "involved in an accident with another motorist who is at fault and whose liability insurance is inadequate to cover the claim. "P The Family Protection Endorsement matches the limit of a driver's third person liability. If the liability is $1 -million for example the Family Protection Endorsement will match that sum. The following example is provided in a pamphlet designed . to explain the new insurance measure. For full details, discuss the Family Protection Endorsement with your broker. "Let's say you have third party liability insurance of $1,000,000 and you are involved in a motor vehicle accident with someone who only carries limits of $200,000. You are seriously injured and a court awards you damages of $1 -million. You will receive $200,000 from the insurer of .the at -fault driver. But that leaves you with a shortfall of $800,000. The Family Protection Endorsement will enable you to claim against your own insurance company for the difference between the other driver's $200,000 and your own $1 -million limit. That means you can collect the full $1 -million awarded to you by the court." The change has been questioned by some people because of the confusion over who is now covered by a driver's insurance. The pamphlet states that the Family Protection Endorsement protects: 1. You, the policy holder, whether you are in your own car, in someone else's car, or a pedestrian. 2. Your spouse and dependent relatives living in your household, while riding in your car, as occupants of 'another car, or as pedestrians. If you are at fault, however, and could be sued by ons of these people as a passenger, that person cannot bring a claim under your endorsement. 3. You, your spouse and dependent relations. as mentioned abuve, if you lease a vehicle or h•,,•,. •, ,•nhirdn nrn,•irjnrl Fr,r \%y,r r•nrr7,1ar nen by your employer, in the circumstances mentioned above. Anyone as a passenger in a car which has been in an accident and is not dependent on the policy holder will not be able to claim for damages under the policy holder's Family Protection Endorsement. The pamphlet states that, "Other occupants, if injured, will not be entitled to claim on your endorsement. But they may claim on their own automobile policy if they have purchased the endorsement." Those people without the Family Protection . Endorsement on their own automobiles or without an automobile will be able to sue for an award that is a percentage of the at -fault driver's third person liability, the percentage based on the number of claimants. • It is stressed that further questions about the changes should be directed to insurance brokers. Nifty Needlers determine sizes LONDES13ORO - The second meeting of the l,ondesboro I, 4-H Club was held on Feb. 27 at the home of Amy Gerrits. Linda Van Spengen was absent and a new member, Shang I.ee Ten Haag, was introduced. Club members decided to name their club The Nifty Needlers. Members showed the three knits they were to bring for roll call. Everyone selected a partner to determine body ►measurements, such as height, waist, pants length, crotch depth, back waist • length, skirt length, bust and hips. After determining measurements, members figured out their pattern size with the help of the leaders. Studies looked at choosing a pattern, fabric and notions best suited to individual specifications. It was noted that patterns should be kept as simple as possible. • Members learned that fabrics are not all • of the same quality. When buying fabric, • you should check for streaks or bands across the fabric, uneven dying or blotchy color; long loose stitch that carried across the • fabric; runs and small holes. For the next meeting, to be held ori March 6, at Mary Buffinga's home, members are asked to have fabric prewashed, notions purchased, and cost of- the items. Also, everyone is asked to think of a cover picture, exhibit ideas and fashion show ideas. Members and leaders wish club leader \#Telly, a happy 14th birthday on March 5. -by press reporter Julie Hummel. CLINTON NEWS -RECORD. WEDNEDAY. MARCH 6. 1985—Page 9 Jane Davidson spoke to a attentive crowd of worshippers on the World Day of Prayer on March 1. The Tucker smith resident spoke at Bayfield Trinity Church on problems and solutions in India, the country whose women wrote the day's sermon. Children blessed at service By Blanche Deeves MIDDLETON - Communion was celebrated in St. James' Anglican Church, the service was well attended. The children were all brought to the Communion rail to 'be blessed. Ralph Welsh and James Storey received the offering. On March 6, mid -week service at Trinity Church, Bayfield will be held from 9:30 - 10 a.m. with Anglicanism at 11 a.m. March 6 the Confirmation Class will be held at 7 p.m. zehrs fine market:... of rix foods 1IIIIIII SPECIAL PRICES THIS PAGE AVAILABLE IN ALL MARKETS 9 A.M. WE -D. MAR. 6 THRU SAT. MAR. 9TH WE RESERVE THE RIGHT TO LIMIT PURCHASES TO REASONABLE WEEKLY FAMILY REQUIREMENTS SUPER SPECIAL ASSURTE° CANADA DRY MA ------S CASE 0F 24-280 r>n. TINS Case COUNTRY OVEN SPECIALS N3 . WHITE BREAD 8 24 oz. LOAF, CHUNKY CHEESE ROLLS 169 FRESH MELLOW 16 oz. CARROT CAKE 2.19 PKG, OF 8 SUPER SPECIAL MUTE SWAN REO. WHFTE OR IEIOE PAPER TOWELS 2 Vii . PKO.' THESE SPECIALS AVAILABLE ONLY IN: 4 1/2 PRICE .SPECIAL!!!! two. mob. httlitS ,,,it s.1 I MANIA niN[d '1 12 flog 341m1 - NIAGARA FROZEN ORANGE JUICE 341 mL TIN REG $1439 QUAKER 270 g MR. Te CEREAL 1.39 ALL VARIETIES GAY LEA YOGURT 500 g 139 SUPER SPECIAL 0 SUPERMAN STRAIGHT OR CRINKLE CUT FRENCH FRIES KNOTTY PINE 3 VARIETIES MEAT PIES 280 g TIN 1 kg PKG. HARDEE FARMS FANCY 4 VARIETIES 1.59 VEGETABLES FROZEN NEILSONS VENETIAN VANILLA ONLY ICE CREAM 2 LITRE 3.29 DIETRICHS 100% 675 g WESTONS FRESH SPICY W. WHEAT BREAD . HOT CROSS BUNS WESTONS RASPBERRY JELLY ROLLS 340 g 1.29 ALL PURPOSE McNAIRS 8's 1.69 NORDICA 2%-4% COTTAGE CHEESE 5 9 159 ASST'O. LAVORS 1,19 CAN F DA DRY 750 mL 0C 9 3 Poe DEP. CADBURY INSTANT 3 VAR. POPPING CORN 500 9 69, HOT CHOCOLATE 31°°5° SKIPPY CREAMY OR CHUNKY ROBIN HOOD FLOUR 29 2.69 PEANUT BUTTER 7Q 2.59. VAN CAMP A SAFFLO 1 LITRE BEANS WITH PORK 1902. S9' SUNFLOWER 011. 2.99 SUPER SPECIAL TED QUAKER OATMEAL 312 g AND 340 g SIZES ROBIN HOOD ASSORTED SUPER SPECIAL i )ultmARI TE S-- TOOTHPASTE 100 mL. TUBE McCORMICKS 40°'0 BONUS, COUNTRY PUDDING CAKE MIX 250 g 59, I HARVEST CRACKERS 39° 1.39 ALPHAGETTI OR LIBBYS ZOODLES 8 oz. 2P1 LIBBYS SPAGHETTI Boz TIN 2141 STOKELYS DARK RED OR NEW ORLEANS KIDNEY BEANS t9 oz 89, 159 WHITE SWAN TOILET TISSUE 4 ROLL POWDERED AJAX CLEANSER 600 q 99' SUPER SPACIAL' MEADOWOLEN PIECES & STEMS MUSHROOMS 10 OZ. TIN HIGHWAY NO. 8 GODERICH MON., TUES. - 4 TO 6 P.M. WED., THURS., FRI. • 9 TO 9 P.M. SAT. 8:30 TO 6 P.M. PAMPER ASSORTED VARIETIES CAT FOOD AGREE CONDITIONER OR SHAMPOO 170 g CADBURY INSTANT 3 VAR. HOT CHOCOLATE H.P. ASSORTED VARIETIES 500 9 BAKING SAUCE 375 1.79 179 .L1.19 SUPER SPECIAL BR BATH TOWELS 25"tt4e" SUPER SPECIAL BRIDGE 3��` FACE 300 mL 199 McCAIN FROZEN APPLE JUICE 355 mL A.B.C. LAUNDRY DETERGENT CHEESE DOG OR MICROWAVE ALORO PIZZAS 12 LITRE 400 g 99, 6,69 199 SUPER SPECIAL STOKELY'S PEAS, CUT BEANS 0R CREAM t ORN 14 OZ. KERNEL CORN 12 OI. VEGETABLES TIN JOSEPHINE ST. (HWY. NO. 4) WINGHAM MON., TUES., WED. . SAT. - 8:30 TO 6 P.M. THURS. AND FRI. • 8:30 TO 9 P.M. 12"X12" SIZE WITH PIPELINE BORDER COLOURS TO MATCH ABOVE TOWELS SUPER SPECIAL NUMMI DUMPTY ASSORTED POTATO CHIPS 200 g PKG 1 INTERSECTION HWY. NO. 4 AND NO. 83 EXETER MON., TUES., WED. • 9 TO 6 P.M. THURS., FRI. - 9 TO 9 P.M. SAT. - 8:30 TO 6 P,M, at the Rectory. March 17 the Teachers Workshop at Wesley -Willis Church, Clinton will be held from 2 to 8 p.m. So much excite- ment was generated by this workshop that it was asked for again. The Phase II workshop will be in April. Please bring lunch. Happy 2nd birthday to Aaron Welsh. The A.C.W. of St. James' met in the church for their February meeting. Carol Wammes opened the meeting. Audrey Mid- dleton spoke on Ways and Means. All leaders are asked for ideas for money mak- ing projects, like calendar sales, a travell- ing basket. Blanche Deeves gave a report on the up- coming March meeting. It is to be a box social and card party at Lynda Steenstra's home. A dessert euchre party will also be held in Holmesville on March 20 at 1:30 p.m. Lois Wise presented the treasurer's report and. a proposed budget for the year: Vera Miller read the minutes of the last meeting. Carol Wammes gave a reading on Love. In the absence of the guest speaker June Taylor, Mrs. Bell showed slides on The Church in the Nash River area in British Columbia. She told about the lifestyles o: the Indian people and their work. World Day of Prayer was held in Trinity Church, Bayfield on March 1 with Lillian Beakhust in charge. Leaders from Mid- dleton Church were Lucy Wiggins and Blan- che Deeves. Young people win zone finals By W ilnia Oke GODERICH - Four young people who won public speaking competitions Saturday at the Royal.Canadian Legion Zone C 1 finals in Goderich will represent the Huron and southern Bruce counties at the district finals to be held at the Preston branch, Royal Canadian Legion, on March 24. There were 33 competitors in Goderich. Sharon Kelly, representing the Seaforth Legion, placed first for Grades 4; 5 and 6. Avita Gross, representing the Blyth Legion, won top honors for Grades 7 and•.B..First place for Grades 9 and 10 was won by Karla King, representing the Wingham Legion and ' Shelly Fisher, representing the Goderich Branch which hosted the contest, placed first in Grades 11,12 and 13. Fabrics chosen • HOLMESVILLE - On Feb. 27 Holmesville II's 4-H Club Sensational Seamstresses met at Bev Van Ninhuys for the second meeting of this unit. Six members were present. We opened the meeting with our 4-H pledge. The we took body measurements so we would be sure of our sizes when we bought our patterns. After that we read over the part in our book which told us how to choose our patterns and fabric. This will help us when we buy the patterns and fabrics that we need for meeting three. We closed the meeting with the 4-H motto, "Learn to Do by Doing." Home assignments for meeting three are to wash and dry fabric and to cut out the patterns. We should bring both of these items to the next meeting which is on March 6 at Bev Van Ninhuy's. By Diane Bradshaw. Quilting meeting By Blanche Deeves HOI.MESVILLE - Worship Service at Holmesville . United Church was well attended., Wayne Tebbutt and Gordon Lobb received the offering. The U.C.W. of Holmesville church will meet March 12. This will be a work meeting, quilting and tying off a quilt. Pot luck dinner will be served. The Enterprising Seniors will meet March 7 at 2 p.m. at Comrnunity Centre in Holmesville. The township group's dessert euchre will be held March 20 in the Community Centre in Holmesville. There will be a $2 admission. Come and enjoy an afternoon of euchre and the many desserts, there will be a door prize and card prizes. The party gets underway at 1 :30 p.m. Waterloo, On Hairstylint. g • rbering •Ear Piercing •Make-up 55 Erb SI. East 886-6305 j Monday to Friday 8:30 am 104:30 pm