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Page 12 TERRACE BAY/SCHREIBER NEWS Wednesday, March 29, 198 Auto insurance rates Under the new provincially previous system, the age and sex regulated car insurance system of drivers can no longer be used going into effect this year Ontario _as criteria in setting premiums. motorists will still pay premiums Under the old rules, under-25 based mainly on where and how' male drivers, who as a group they use their vehicles -- and how have more accidents, paid higher well they do it. rates than older drivers. In a major change from the The new system -- controlled by the Ontario Automobile annually. How long a vehicle's Insurance Board (OAIB) -- is drivers have been licensed, their scheduled to be in operation by record of driving offences, and June 1 of this year. their accident histories are the The main criteria deciding pre- _ other rating criteria. miums are the type of vehicle, The coverage a car owner where it is insured, what it is used _ chooses -- including liability lim- for, and the distance it is driven its, collision and comprehensive Streetproofing safety tips Continued from page 1 Unlike Crime Stoppers, there * Never to hitchhike. is no financial reward for calling * That they have your permis- the CAP number. sion to say "no" to an adult, espe- Logan also said, "don't feel cially if that person wants them to you have to wait for do something you've taught them Neighborhood Watch or other _ is wrong. programs to start. Feel free to call * That no one has the right to us with any information you may touch any part of their body that a have." bathing suit would cover. Here are some things which * To tell you if someone has your child should know to be asked them to keep a secret from safe. you. . * Their name, age, telephone * To scatter their books and number, area code, address, city, belongings if they are forced and province. towards a building or car. * To carry identification. * Never to play in deserted * How to phone long distance _ buildings or isolated areas. by dialing direct or with operator * Never to take shortcuts assistance. through empty parks or fields. * How to reach you in an * About the Block Parent pro- emergency. How to reach police, gram and logo. fire, ambulance, doctor, relative * To go places with friends. and neighbor. * That adults rarely ask a child * To carry enough money fora for help. phone call. * To recognize suspicious * To tell you where they will behaviour and remember a be at all times. description of the person or vehi- * Never to say they are alone cle to give to you or the police. if they answer the phone. Advise them to write the plate * Not to answer the door if number in the dirt or snow if they are alone. nothing else is available. * Never to invite strangers into * Never to show their money, their home. and if they are attacked for it, to * Not to enter anyone's home -_ give it up rather than risk injury. without your permission. * That police officers are their * Not to accept gifts from friends and that they can rely on strangers. them if they are in trouble. "* Never to approach or enter a * That they can talk to you and stranger's car. that ev are interested and sensi- Hodder's Jewelers ¢« APRIL FOOLS DAY §sBLAST: ny a An sgiecen of § savings My, for one day only ; SATURDAY, APRIL Ist | ADs >» 2970 OFF Xz in. = 5 "NY SS = the entire stock | : ae DISCOUNT PRICES UP TO yee? OFF on other selected stock We're not fooling. DON'F MISS IT! Hodder's Jewelers Visa Mastercard accepted ® er CN @ tive to their fears. * To always accompany chil- Here are some things parents dren to the bathroom in a public should know to make'their child place, and advise them never to safer. loiter in or around the area. * To look carefully at the * To always accompany your clothing your child is wearing child on door-to-door activities, each day. i.e., Hallowe'en, school fundrais- . ™ To keep an up-to-date color ing campaigns. photograph of your child, at least The Schreiber OPP have a one for each year (more for number of pamphlets which give younger children). additional details which can make * To never leave your child your children, yourself and com- alone in a public place, stroller, or -- munity a safer place to live. car. i, eros Constable Bert Logan conducted a streetproofing seminar at the Schreiber woman's drop-in centre. He outlined various ways to help keep children safe. Photo by Dave Chmara SCHREIBER-TERRACE BAY COMMUNITY FUTURES ORGANIZATION ANNUAL GENERAL MEETING Thursday, April 20, 1989 7:00 p.m. Conference Room, Terrace Bay Recreation Centre Agen ill include; - President's Annual Report - Committee Report - Financial Report - Proposed By-Laws - Appointment of Auditor for the coming year This meeting is open to all residents of the area between the Steel River on the east, the Dublin River on the west, « Refreshments available. $25 -3592 and 30 miles north and south of Highway 17. 8 Simcoe Plaza S coverage and deductibles -- a help to determine the final prei um. Territory Counts "The first factor an underw er considers in setting premiu is the territory '- the area wh the care owner resides," says , Williams, an auto insuran expert with Royal Insuran Company in Toronto. All insurers must use 1 OAIB system dividing 1 province into 32 geographical t ritories, intended to account risk factors such as traffic v umes and accident frequenci Five of the territories cover Me Toronto, home to roughly half | province's population. The four vehicle-use ca gories are basically the same before, Williams explained, a are based on relative exposure accident risks. Business use cc erage still costs most, followed commuting, pleasure-only a farm use. "The business classificati applies if at least 20 per cent the vehicle use is for. busine The percentage is based on eit! distance driven or time. F example, if you work a five-¢ week and use your care for bu ness an average of one day week you must have business-1 coverage," said Williams. Few Qualify Commuting coverage required when the care is used travelling to work more th twice a week on average over | policy period. Only a small p centage of drivers qualify for | farm use rating, which requil them to have no other gaini occupation that farming. The OAIB has establish three industry-wide classific tions for annual distance driven up to 16,000 kilometres, 16,0 to 32,000 and over 32,000 k And it is studying an additio1 class -- for under 8,000 km year. The distance factor applies the insured vehicle, not drivers. On the basis of risk ext sure, higher premiums 4 charged for the greater distance Standard vehicle type class are broken down for such fact as make, model and year, a power to weight ratios. Priv: passenger cars priced up $100,000 are included. The new system requir insurance companies to offer ty approved discounts -- for multiy vehicle coverage and for abs nence from alcohol. Leases Included Williams explained that t multiple vehicle provision ca for a reduction of about 10 ¢ cent where two or more care i under "common ownership" a insured by the same compar "Long-term leased vehicles ¢ eligible, and the discount appl. to each car for all coverages pi vided by the same insurance co! pany." The abstinence discou means a five per cent premit reduction. To get it, all drivers the household must sign a foi promising not to consume alcot during the coverage perio excepting small amount, f medicinal or religious purposes, As it Stands now, the' nc OAIB plan eliminates special d counts formerly offered by ma insurance companies to senior c izens. But the board is consid ing discounts for low-risk drive that could result in premiu breaks for many seniors.