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Home My WebLink AboutThe Huron Expositor, 1989-03-22, Page 5THE HURON EXPOSITOR, MARCH 22, 1989 5A Car insurance This istheseeond In a series of articles ex- amining the new Ontario car insurance system. Under the new provincially regulated ear insurance system going into effect this year Ontario motorists will still pay premiums based mainly on where and how they use their vehicles - and how well they do it. In a major change from the previous system, the age and sex of drivers can no longer be used as criteria in setting premiums. Under the old rules, under -25 male drivers, who as a group have more ac- cidents, paid higher rates than older drivers The new system - controlled by the On- tario Automobile Insurance Board TOMB - is scheduled to be m full operation by June 1 The main criteria deciding premiums are the type of vehicle, where it is insured, what it is used for, and the distance it is driven an- nually. How long a vehicle's drivers have been licensed, their record of driving of- fences, and their accident histories are the• other rating criteria. The coverage a car owner chooses - in- cluding liability limits, collision and com- prehensive coverage and deductibles - also help to determine the final premium "The first factor an underwriter considers in setting premiums is the territory - the area where the car owner resides," • says Art Williams, an auto 'insurance expert with Royal Insurance Company m Toronto All insurers must use the OAIB system dividing the province into 32 geographical territories, intended to account for risk fac- tors such as traffic volumes and accident frequencies. Five of the territories cover Metro Toronto, home to roughly half the province's population. The four vehicle -use categorter are basically the same as before. Mr. Williams explains, and are based on relative ex- posure to accident risks Business use coverage still costs most. followed by com- muting, pleasure -only and farm -use. "The business classification applies if at least 20 per cent of the vehicle use is for business. The percentage is based on either distance driven or time. For example. if you work a five-day week and use your car'fot business an average of one day a week you must have business coverage " he says Commuting coverage is required when the car is used in travelling to work more than twice a week on average over the policy period. Only' a small percentage of drivers, qualify for the faun -use 'rating, which requires them to have no other gain- ful occupation than farming. The OAIB has established three industry- wide classifications for annual distance driven - up to 16,000 kilometres, 16.001 to 32.000 km. and over 32,000 km. And it is stu- dying an additional class - for.under 8,000 km a year. The distance factor applies to the depends on 'how you d r e ie ONTARIO'S NEW CAR INSURANCE RATE CLASSIFICATIONS CII"Is 1 . 01'r ,..,� 11, YEARS LICENSED ACCIDENT CLAIMS CONVICTIONS Seaforth Community Hospital O1EN USE Wedn sday9 March 22 3:00-8:00PAC ONTARIO 32 RATING TERRITORIES Come take the guided tour of your Community Hospital ALL WELCOME I VEHICLE TYPE T VEHICLE USE 7 DISTANCE DRIVEN LARGE SELECTION OF J. EASTER CARDS, SERVIETTES, NAPKINS When you care enough to send the very best 44, insured vehicle. not its drivers. On the basis of risk exposure, higher premiums are charged for the greater distances Standard vehicle type classes are broker: down for such factors as make. 'model and year, and power to weight ratios. Private passenger cars priced up to $100.000 are included. The new system requires insurance cone pames to offer two approved discounts - tor - multiple vehicle coverage ane fol abstinence from alcohol ' Mr. Williams explains that the multiple vehicle provision calls for a reduction of about 10 per cent where two or more car: are under '-common Ownership' and In- sured by the same compam "Long -tern. leased vehicles are eltgiblt . and the dis- count applies in eacn car tor all coverages provided by the same insurance company ' The abstinence discount means a five -per - cen, premtun reduction To get it. al. drivers in the nousehold must sign a torn, promising not to consume alcohol during the coverage except:1m smaf. amounts for medicinal or religious purposes As it stenos; nov the new OAlls plan eliminates special discount:: formerly of- ferec b•• main insurance companies to semor oitisens. But the board is considering discount:, for low-rise. drivers that could result in premtum breaks tor many seniors. Next: How driving and accident records will affect your insurance premiums •Kinder Surprise Eggs 79c *McCormick's Easter Bag Candy - Ju Jubes, Jelly Bunnies •White Chocolate Rabbits •Baskets With Plush Animals & Chocolate Novelties ®Coloured Easter Baskets & Coloured Grass •Easter Pins *Chocolate Bunnies - All Sizes •Bags of Wrapped Chocolate Eggs . 2.29 Hurn get grants Minister, of Culture and Communications Lily Oddie Munn., has recently announced Ens allocation o' u .grant to the Town of Goderich for the preservation of Ontario ar- chitecture in the amount of $1,747.9" In additioi., the Village of Hensall wil! receive up to a maximum of $2.841 to assist ' in the conservation and preservation of the 'architectural features of the viliage hal: "YOUR LOTTERY TICKET CENTRE" DEALER A.S.C. NEW STORE HOURS - 8:30 am - 9:00 ,pm - 7 DAYS A WEEK HOSPITAL EXPANSION - A bricklayer checks how level his handiwork is, while con- structing the new emergency entrance to the Seatorth Community Hospital. The -ce- ment floor of the addition was scheduled to be poured on -Tuesday, and construction is currently ahead of schedule. There will be an open house at the hospital on March 2? from 3 to 8 p.m., and the general public, as well as the volunteer canvassers, are er, couraged to see what the expansion protect is about. Corbett photc SEAFORTH is wishing yours Happy Easter with a M M SALE WED, THURS., SAT., MON., MARCH 22, 23, 25, 27 (CLOSED GOOD FRIDAY) Ontano (POLICE TACTICAL UNITS INQUIRY NOTICE The Ontario Police Commission was directed by the. Solicitor General on January 4, 1989 to examine the use of police tactical units in Ontario The Commission was asked to examine and make recommendations on the following 1 the historical operation and utilization of such units since their inception, by police forces in Ontario 2 the selection and training of the personnel comprising such units. 3 the equipment used by such units including weapons and communications equipment. 4 the functions assigned to such units 5 the rationale and need for such units The Commission will review oral and written submissions related to its mandate Written submissions from members of the public are now invited. They should be forwarded to the Ontario Police Commission, 9th Floor, 25 Grosvenor Street, Toronto, M7A 21-13, by Friday. April 21, 1989 The - currently arranging a series of public he w , -.sted citizens and organizations will t, r H ui r u Iv it -•rsonally State their VIEWS. Those citizens sou a, r al .,ubmit written briefs will have an opportunity, if aesued, to expand on their submissions at iese hearings Further information may be obtained by contacting Gordon Hampson or .Cathy Boxer at the Commission offices in Toronto (416).96516071. W.D. Drinkwalter, Q.0 Chairman SPRING -SUMItE ARRVALS STOREWIDE SALE FF Sizes 3 to 1•S OUR NEW LINE -OF ANOTHER OF THE BRIDE DRESSES ARRIVING DAILY SAVE ALL BATHING SUITS -SAVE 2O% ALL SHORTS ;& :PANTS SAVE 2 SKIRTS ALL , L-QUSES i 1