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HAC is a strong supporter of Transport Canada‘s vehicle safety Precall program. When a motorist disâ€" covers a safety defect, HAC recomâ€" mends reporting it immediately to Transport Canada. A defect in one person‘s vehicle may be identical in thers. To report a safety defect, call â€"800â€"333â€"0510 and ask for "defect investigation." The braking system prompted the greatest number of campaigns in 1993. However, the wide range of parts involved in safety recalls underâ€" lines how important every feature of a car is to protecting drivers and pasâ€" sengers. "%he Hamilton Automobile Club reminds motorists that they ' . chave both the right and the respons1b111ty to report vehicle safety defects that fail to meet Transport Canada regulations. Annually, about 1000 public complaints are received kby Transport Canada, leading to 168 motor vehicle safety recall campaigns in the latest reporting year, when more than two million vehicles were affected. Many auto makers initiated their own recalls voluntarily for safeâ€" ty and other defects. The top five sysâ€" tems responsible for vehicle safety recalls were: 1. Lights and instruments (547,965 vehicles) 2. Structure (412,402 vehicles) 3. Power train (342,105 vehicles) 4. Heater and defroster (205,149 vehicles) 5. Seats and restraints (129,403 vehiâ€" cles) If you are looking to reduce insurâ€" ance costs, consider the following: takâ€" ing the highest available deductibles for collision and comprehensive physical damage (if you are willing and able to assume the risk); dropping collision as your car ages, again, if you think it is will you get for what price? Are disâ€" counts available for taking public transâ€" portation to and from work or having airbags or antilock brakes on your car? Under what cireumstances could your rates be increased or your coverage canâ€" celled? Also, find out if the company has a history of consumer complaints by contacting your BBB. Ask friends or coâ€"workers to recomâ€" mend insurance companies they have dealt with. Then contact the companies and ask questions. How much insurance Even though the insurance rates of every company in the province may be reviewed and approved by a regulatory agency, rates vary. The price of your insurance coverage is determined by a process called rating, and the amount you pay is called a preâ€" mium. The price of your policy is based in part on the claims history of all drivers in your area, although other facâ€" tors, such as personal driving record, age, sex, and marital status also are important. Insurance coverage do‘s and don‘ts The Better Business Bureau offers the following suggestions to obtain good coverage and service while minimizing costs. W ust as you look for good value and | reliability when you shop for an P automobile, you also want the same in your auto insurance policy and comâ€" pany. Report safety defects worth the risk; avoiding excessive dupliâ€" cation of coverage by checking all your insurance policies; and having your repâ€" resentative review any changed cirecumâ€" stances which may result in discounts. Stereo Cassette W4â€"Wheel ABS Brakes W Spiit Fold Rear Seat Air Bags W Air Conditioning Litre 6â€"Cylinder Engine FEATURE FOR FEATURE YOU JUST CAN‘T BEAT OLDSMOBILE VALUE. VALUE PRICED AT YOUR CHEVROLET GEO â€" OLDSMOBILE STORE Obtain names, addresses, phone number, license plate number and insurâ€" In the event you are involved in an accident, call the police. You may need a police report to back up your claim. LOOK...NO SMALL PRINT ALL NEW LUXURIOUS INTERIOR FOR 1995 ance company na~es and policy numâ€" bers from all drivers involved. Get names, addresses and phone numbers from all passengersâ€"and witnesses and try to take notes at the scene about what Remember, admit nothing, and do not reveal how much liability insurance you carry. happened. Include speed of vehizles, location, and weather conditions. EKeyless Remote MTilt Steering W Sport Appearance Package Automatic Transmission With Electronic overdrive EFront Bucket Seats With Console