Historical Newspapers of South Carolina

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Insurat BY BILL OUTLAW Insurance reform will be coming to South Carolinians at last. Disregarding the fact that it is about 20-years overdue, the measures currently being debated in the South Carolina Senate should bring some much needed relief for drivers in the 18-25 age bracket. Analysis The bill under debate in the Senate basically provides for three t things, all of which wnuld be of help t to the driver. The bil provides for I a no-fault insurance plan, a reinsurance facility, and the establishment of a standardized rating plan. The no-fault provision would help the driver obtain quick and ef ficient service without going through all the red tape that is so evident today. No-fault simply means that the insured driver's coriipany would pay for all damages regardless of whose fault the accident was. The bill being debated has a $1,500 limit which would be the maximum amount a driver could collect under this type of plan. If damages amounted to more than this, he would then sue for the remainder of his losses. This plan gives the insured ef fective service on his small claims and still gives him the opportunity to sue for more should the situation warrant it. Unfortunately, the no-fault part of the plan may get the axe from the Senate. Sen. J. Ralph Gasque, D-Marion, is leading the fight against the no-fault insurance We Ha 2 ( DENIM BFL JACKET NAVY BEL Stripes - PEA-NU' I BRUSH * ARMY FATI * ARM H *BVFATIC ARMY-N THE YI 1316 ARGESWBLi wce Ref Measu :rovision of the plan. A simple natter of reasoning will tell you why. A no-fault insurance plan liminates the need for going to wourt to settle a suit, which in effec I liminates the need for the insured o have a lawyer represent him. ince most of the legislators are awyers it follows that they will be osing money by allowing a no-fault )rovision to pass. Once again, our listinguished representatives need o be reminded that they were lected to represent the best in erests of the people and not the )est interests of their private )ractices, whatever they may be. The reinsurance facility is a :ompromise program generally igreed upon by the insurance ..ourses Re BY SID (GRIFFIN Among the many different and interesting courses offered at the University is Chinese. Although the courses in Chinese have been offered for three years they have not gotten the response they should have. The courses are utilizing the Yale University system of Romanization to make the Chinese simpler for the students to speak. Dr. Charles Abler, a Chinese in structor sees the problem as one "where the students have a great deal of apprehension about the language as to whether or not they can make good grades or get ve Them In ! For You 100 PAI L BOTTO] ,L BOTTOMS IN DENIMS - Corduroy - All Colors - All S HIIP HUGGERS 4 UBBER BRAND - ALL Ti rs BELL BO DENIM WIDE BELL BC CU E TROUSERS ........... KU TROUSERS ............ WALLACE BERRY -STR IPF2 UiE TROUSERS & JACK FTS . AVY SURPLUS LLOW FRONT STO ST. orm: res Could Brini industry under threat of the state becoming involved in the in surance business. Its main ad vantage as far as the driver is concerned is that it will eliminate the current assigned risk program. It also gives the driver the chance to be insured with any co mpany he desires at reasonable rates. It gives the insurance company the option of insuring that driver with the company itself or of placing the driver in a "pool" with other drivers placed in the same pool by other insurance companies. The companies share in the losses or profits of this pool according to the percentage of the total business "pool". The insured never knows whether his policy has been han ceiving Poo anything from it." Abler thinks the Yale University system should help Chinese students and these students will hopefully pass the word along about the nature of the course. There are presently about 34 students enrolled in one of the various Chinese courses, 18 of these are taking Chinese 101. The courses continue to the 300-level of instruction. Besides regular courses, there are courses related directly to Chinese but listed in other department., such as Chinese Literature CL408 in Translation and 398 Topics in Chinese Literature which deals with con temporary studies. 0tock R BAGGIE BELL Whites BOTOMS T TOMS nrrOMs ......26to 42 - KN.TToPSJ ..SIZES 2-16 STORE R E 4 T Ph. AL 1.4641 Relief To Stu lied by the company or whether he company has placed him in the 'pool". The company insuring iim would handle all of his claims egardless and his rates would be he same as all others in his ategory. Opponents of this plan argue that he plan will cause present policy iolders not on assigned risk to pay nore money. This will probably be rue at first. What in effect is appening is everyone will be 1 )aying for all of the accidents of all >f the people, whereas it is now )roken down into specific :-ategories with the assigned risk roup paying for the largest percentage of losses incurred by he company. The increase in r Response If the students wish, they can ontinue on in Chinese or they can lso dropChinese after filling their anguage requirements. Abler eports that the response he and 'eter Chow are getting from the tudents who have taken Chinese is antastic; many continue studying he language on their own. The first semester of Chinese oncentrates on speaking, the econd on reading, and the third on onversations. No tests are ever iven to the students on the actual vriting of the symbols of the hinese language, although they riust be able to identify them eadily when they are shown. Sales Opportuni Jet weekends - sell our service throughout the 'L Shows. Salary and all Extraordinary opportunit: salesman. Write: Ken Shilling,, 1.14 Chicago, T BICY Quality Europeare Bi Manufactured B~y: G Faris-Sport, Falcon-NI In Colu CA TE'S C Box Cedar Terrace! 6420 Sumter Phc 776 1:15 to 8pa.m. M ident Drivers rates under this plan is estimated to be about $12 a person a year. The increase is easily offset by the benefits of the plan. The present method of having people on assigned risk paying astronomical rates is absurd and needs to be changed. The establishment of a stan dardized rating system would basically change the emphasis of determining rates from a personal basis to one of emphasis on the individual driving records. This eliminates the controversial subjective underwriting that :'ompanies engage in. Many people are placed on assigned risk programs with driving records without an accident. They are placed there for certain subjective reasons; they are divorced or their hair is too long, etc., a stan lardized rating classification would virtually mean that the companies'system of rating peopie would have to be approved by a rating bureau, and the company would have to conform to the requirements set down by this bureau. This should be beneficial to the driver. While the bill being debated is much more complex than this, these are the main provisions that will benefit the everyday driver in South Carolina. Hopefully, the General Assembly will cast aside their past rejection of change and pass these provisions to assure South Carolinians better insurance coverage and better legislative representation. ty Weekends advertising display J.S.A. at Beauty Trade expenses paid. for the right student West Illinois Street Ilinois 60610 EED CLES eycles From $95.00 atane. Bottecchia, lasno, Cinelli, Colnago .nbia See: OTTAGE 9342 hoppIng Center Hwy. (29209) nie: 1209 on. through Sat.