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Ri ish TATE 6 -- PORT PERRY STAR -- Tuesday, October 21, 1986 Letters Insurance -- other side responds (From page 5) from other insurance companies.' 1 don't know why you are surpris- ed that most insurance companies . belong to the Facility Company. If they don't where else could a person with a string of accidents and tickets get insurance? If a particular com- pany does not belong to Facility, then they just belong to a different high-risk company. Facility isn't the only one around, there are several others. Facility is necessary. Most people who are in Facility deserve to be. Do you think that a person who has a drunk driv- ing conviction and who caused a ma- jor accident should pay the same rates as you and I do? 1 should hope not. Sure, now and then the rules are as such that a person who might really not deserve to be in Facility has to be, but it's very rare. And if it does happen, they don't have to stay in Facility for the rest of their lives. If they keep out of trouble for a year, most of the time they can be put in a lower rating group. Not that many young drivers are put into Facility, even people whose parents aren't insured with us. If the person is under 21 and has been licenced for less than a year, if they took driver training and are atten- ding school full-time with a *'B"' or better average, they are eligible for one of our lower rating groups. If they are between 21 and 24 and licenced less than a year, they just need to have taken driver training to get our low rates. So there is hope because the majority of new young drivers coming to us fall into one of the above catagories. If their parents are insured with us, they MACKEY & BAILEY | BARRISTERS & SOLICITORS don't even need to worry because they would automatically get our lowest rates (provided of course that they're parents aren't in Faculi- ty). You make it sound like if you are young and newly licunced you will be stuck in Facility unless your parents are insured somewhere, with no exceptions. That's not true. I agree with you on legal suits. I'm glad that there is at least one per- son out there who understands this. It's true. The amount of claims be- ing submitted these days is astronomical. One of the other main reasons for higher rates is a plain and simple rate increase, which is caused by the ameunt of claims. It's also inflation, which doesn't even oc- cur to most people. The price of everything goes up. You're paying more for anything today than you were a year ago, so why should in- surance be any different? People accept the cost of living going up, but they want the price of insurance to stay the same. I guarantee you, that if the cost of living went down, people then wouldn't want insurance to stay the same. And it's not just the "thousand here the thousand there' that's costing us money. It's even the hun- dred here and the hundred there stuff that's slowly jacking up the price. People will put a claim through for just about anything. A cat gets caught in someone's fan belt - a $35 bill for a service station to cut the fan belt to get the Morris piece. out. Or a $75 cleaning bill because someone was sick in the back seat of a car. Both cases had a $25 deductable, so State Farm on- ly had to pay $10 to one and $50 to Saturday Mornings - 9:00 a.m. to 12 noon Oshawa Rd., Port Perry Lake Scugog Lumber Building wie) 985-7391 A contem The Ux Everyone is Welcome "PRESENT TENSE" rary musical presentation by ridge Baptist Young People OCTOBER 25th - 8:00 P.M. -- UXBRIDGE MUSIC HALL -- OCTOBER 26th - 6:30 P.M. -- PORT PERRY BAPTIST CHURCH -- Free Admission the other. But it cost a lot more than $60. There was the claim adjusters time, the paperwork to be done, and the time of about 10 other people because no matter how big or how small the claim is, it still has to be handled the same way. This is just a very small example of some of the stupid things people claim that costs us time and money and eventually increases premiums. So you think insurance is the big- gest waste of money in existance? Would you still feel that way if somebody smashed into your car and caused a couple thousand dollars damage? Or if somebody stole your car? Or if you caused an accident and they sued you for $500,000? Let me tell you, if that hap- pened, you would thank your lucky stars that there is insurance. You'll be glad that you paid your premiums, because I don't think that the Port Perry Star pays you enough to be able to fork out $500,000. And don't kid yourself in- to thinking that something like that could never happen, because it can. You say if you were ever put in a wheelchair that you would sue; that's fine and dandy, but the tables can very easily be turned. Like I said, what I mentioned refers to State Farm rules, but State Farm is one of the largest insurance companies in North America, so it's a pretty fair overall assessment. If we didn't charge the prices that we do, we would go out of business. And any kind of company is in the 'business to do one thing - to make money. That's the main purpose of any company or profession. If we didn't make money, there would be no sense in being in the business. Why should insurance companies be any different? What's wrong with us wanting to make money? People gripe about having to pay our rates, but you don't hear a peep from them when we have to give them money. Not once have I had a person com- plain about their rates to me while we were settling a claim for them. I guess by now, I've bored you enough, but I'm not trying to come down too hard on Cathy. As a mat- ter of fact, I wish everybody had her attitude. It's just that I'm so tired of people complaining to me about their rates, I had to tell somebody my side of the story for a change. | wish insurance rates would come down just as much as anybody else. Probably more than anybody else because then I wouldn't have to put up with a lot of complaining. Sincerely, Linda Goczan, Port Perry, Ont. Durham YMCA plans a fall fashion show The Durham Region Family YM- CA is pleased to present a Fall/Winter Fashion Show on Wednesday November 5th in the United Church Auditorium Port Perry. The fashions are from Designer Look of Village By the Grange, Toronto. Marcia Wilkinson the owner of Designer Look will describe the beautiful clothes worn by our own local models. She will also explain what would look best to highlight or minimize your figure. The show begins at 8 p.m. and flowers for the evening are courtesy of Best of Things. Irwin Smith will provide the musical accompani- ment. Refreshments will be served and draws will be made for door prizes. The fashion show is a fund raising activity for the Port Perry YMCA as a means of providing new equip- ment for our various programmes. Tickets are $6 and are available at the YMCA 269 Queen St., also Ingre- dients Unlimited, 146 Queen St., or call 985-2824. Come join us for a night full of fun, featuring the season's most exciting fashions, make-up and colour combinations. HOSPITAL REPORT Week Ending October 16/86 Admitted................oooiiiii 30 BIit8 o.oo crv ene ress isssinsssisssressenene 5 Deaths ..........s.ousssmmssiisssssissrmnnn 0 Emergencies.................cce....... 228 operations..............ccceeeeeeennnnnn. 16 Discharged.............cccocenneennnnn. 26 ReMalming......coovsrnssimmmmsmssisors 43 CHILDREN! ~ Want to meet a real live author? Come to the Scugog Memorial Public Library SATURDAY, OCTOBER 25th at 1:30 P.M. Noted Children's Author, TIM WYNNE-JONES creator of the "ZOOM" books will be here! -r Short Term Deposits 7% 30 - 59 DAYS Interest Paid at Maturity Min. Deposit $5,000. Special rates also available on other amounts. All rates shown subject to change without notice. RATES SHOWN - PER ANNUM 815% 30 - 59 DAYS Interest Paid at Maturity. Min. Deposit $100,000. Higher Interest on Your Investments Guaranteed Investment Certificates 0" 3 YEAR TERM Min. Deposit $500. Interest Paid Annually. 165 Queen St. STANDARD TRUST Member of Canada Deposit Insurance Corporation Port Perry Open Monday to Thursday 9am to 5 pm; Friday 9am to 6 pm; Saturday 9am to 1 pm Tel. 985-8435 CKQT 949FM Quiet Music