AUTOMOTIVES Time to check Autoplan coverages BY THE end of this month, thousands of B.C. motorists will have visited Autoplan brokers to renew their vehi- cle insurance. The renewal process itself is usually fairly brief. You take the pink APV 1 form received from ICBC into the broker who calls up your policy on a computer termi- nal, updates the information, col- lects the premium and issues you the new plate decal. While the Autoplan renewal process is designed to provide quick and efficient service, you may wish to take a few extra minutes with the broker to see if the policy meets your needs as it is, or if there are any changes that need to be made. Things you should check in- clude the rate class, which Ken Hardie INSURANCE CORPORATION OF BRITISH COLUMBIA AUTOTOPIC and, as court-awarded settlements continue to rise, many are now raising it to $2 million. Next, make sure you have Underinsured Motorist Protection. This is a low-cost, optional charge for you, your spouse or depen- dents living in your household in the event any of you are injured by a motorist who doesn’t have enough third party liability coverage to pay for the claim. With UMP, you're covered up to the third party coverage limit on your own Autoplan policy. If you have a youngster or any other relative who does not insure a vehicle and who does not live in your household, ask your broker about the special Underinsured Motorist Policy that can provide them up to $1 million in coverage. Next week, we'll touch briefly on comprehensive and collision coverages and begin a guided tour of the APV 1 so you can check your various coverages. Then, when it’s time to renew, you can make any adjustments right there at your broker’s counter. Friday, January 18, 1991 — North Shore News - 23 . B 190 HP 4 litre iniine & cyl. H Ole ‘All s season radial tires! : 5 speed trans. with overdrive! jg Electric rear window defroster! Power brakes & steering! @ Tilt steering! B Intermittent wipers! f@ Chrysler 7 year/115 km warranty! * NET OF ALL PROGRAMS - FREIGHT & PD.. $890 DL #7496 BEFORE YOU UY, CALL US! describes how your vehicle is used — whether for pleasure use only, to and from work or school, or for business use. It is extremely important that this use rating be accurate because if your vehicle is mis-rated (for example, rated for pleasure use only but actually used to commute to and from work), you could find yourself without coverage in the event of an acci- dent. orn SPECIAy tg Another important item to check is your Third Party Legal Liability coverage. This is the amount ICBC will pay to com- pensate someone in the event you injure them or damage their prop- erty. While the minimum amount of third party coverage you must have in B.C. is $200,000, most people have at feast $1 million REPAIRS COST LESS On most older Volkswagens and Audis. 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Ask about ow guaranteed new and used projection packages! ; Mike Hoverux Owner/Operator Please phone for appointment 1311 Pemberton Ave. N. Van. 987-4477 Parts & Service Opening Jan. 15, 1991 Call now 988-7973 eG MGATHYIEW _ SUZUKI Alb Rah 1570 Main St, North Van. § making giving a family affair. When you save for your holidays, mortgage or new car, put some away for giving too. Let everyone in on the decision of which causes to help and you'll be a real Local Hero family. A natianat program to encourage xiving and suluntcering WHY PAY MORE? WHY PAY DEALER RATES? Bring your VOLVO to the mechanics VOLVO trained “VYolvo’s are our Specialty” Masteriech Huismoative Ltd. 217B (Rear} West tst Street 988 1 404 (Setween Ming Court & Sailor Hagar’s) on North Vancouver, B.C. 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