14—Lancaster Fanning, Saturday, December 15,1973
Car Pools Have Their
Good Points, Shapp Says
Gov. Milton J. Shapp has
predicted car pools will become a
necessity for the American
worker and called upon all
Commwealth agancy employes
to take the lead in encouraging
their immediate formation
“Much to the dismay of the
motoring public, the day of the
one motorist per car is over - - a
luxury which will take a back
seat throughout this nation’s
energy crisis,” Shapp said.
“While it means changing our
life style somewhat,” Shapp said,
“the motorist will find that car
pools do have some distinct
advantages.”
Among these advantages,
Shapp said are;
Fewer cars on the road,
means less gasoline is being used
and fewer traffic jams will
further reduce gas consumption.
Pollution and accidents
will be reduced.
—Car pool participants can
save money on gasoline by
driving occasionally rather than
every day
Insurance costs may be
reduced by joining the pools.
To make sure that all motorists
understand the automobile in
surance implications before
forming car pools. Shapp said he
has asked State Insurance
Commissioner Herbert S
Denenberg to prepare car pool
guidelines which follow.
1. Will my automobile liability
insurance cover me if I drive in a
car pool?
If you have Bodily Injury and
Property Damage Liability
coverage, your automobile in
surance policy will protect
against the cost of liability claims
and lawsuits if you injure either
the other driver or your
passengers.
2. What if I am the sole driver
and charge m> passengers for
gas. oil and general
depreciation?
Be careful on how much you
charge! If you make a profit (and
that’s undefined), you could find
yourself without any automobile
insurance. The problem lies in a
little known exclusion. The
“Public & Livery Conveyance”
exclusion simply means that if
your vehicle is used much like a
taxi, or bus, you’ll have to buy a
different and more expensive
automobile insurance policy. To
be safe, don’t charge more than
the cost of gasoline, oil and
general depreciation.
3. What if I drive one or two
dajs a week and others drive the
rest of the time?
You have no problem. ‘‘Share
the ride” or true car pool
arrangements won’t leave you
without automobile insurance
coverage. We would only suggest
you make sure the other drivers
have proper limits on automobile
liability and medical payment
coverages.
4. What co\erage should we
•iave?
Bodily injury liability in
surance protects you in an
automobile accident against the
costs of liability claims and
lawsuits. When you’re driving
three, four or five people, you
increase your potential liability.
So, as a minimum, we’d suggest
100,000-300,000 bodily injury
liability insurance. Property
damage liability protects you if
you negligently damage
someone’s property - the other
person’s car for example We
suggest $lO,OOO as a minimum.
Medical payments- coverage is
essential. This provides medical
surgical and funeral expenses to
anyone, including yourself, if
injured in an automobile accident
regardless of who was at fault.
We recommend a minimum of
$5,000.
5. do higher limits cost a lot?
No. It’s the first 10-20-5 limits
which are the most expensive.
Higher limits are really quite
reasonable. To increase your
bodily injury coverage from
$lO,OOO to $lOO,OOO per person,
increases your bodily injury
rates 50 percent. Going from
$5,000 property damage to $lO,OOO
costs only five percent more, $5OO
to $5,000 medical payments
coverage costs about twice as
much, but the premiums are low
to begin with.
6. What if I can’t get
automobile Insurance from any
company?
Hie ‘Pennsylvania Auto In-
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surance Plan" available through
any agent or broker, was
designed to provide insurance to
anyone with a driver’s license
and it will provide higher limits
of liability and medical
payments. It also offers physical
damage insurance for your car
(comprehensive and collision
insurance).
7. Can I get lower premiums if I
drive in a car pool?
Yes. At least two companies
offer lower rates for car pools.
We suggest you ask your in
surance company to offer
reduced insurance premiums.
8. How much can 1 save if I stop
driving to work altogether?
You can save as much as 30
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percent depending on how far you
drive now.
9. What about riding with
drivers whose ability you don’t
trust?
If you think they’re bad or
reckless drivers - DON’T! Don’t
trust your life to a careless
person. We encourage taking
defensive driving courses which
are already available throughout
the Commonwealth. All persons
driving state cars must have
completed a driver training
program.
Heat And Eat
“Fully-cooked” hams may be
served unheated. Full flavor, how
ever, is developed by heating the
ham in a slow oven to 140*p.
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BLUE BALL
354-5163