30 - Friday, November 9, 1990 - North Shore News AUTOMOTIVES ICBC promotes courtesy WITHIN A few weeks, all of ICBC’s 49 claim offices n across the province will e display a new poster which outlines in clear, simple terms our approach to settl- ing auto insurance claims. ICBC’s Claims Setthement Phi- losophy describes the guiding principles of our operations and the service we seek to deliver to our customers. The spirit of this AUTOTOPIC Hardie INSURANCE CORPORATION OF BRITISH COLUMBIA Outside arbitration services and the courts are available as a fur- ther step. ® Ensure that all settlements are fair and reasonable. ICBC has an obligation to fairly compensate people for their losses on behalf of our insureds. How- ever, being ‘fair and reasonable” also. means ensuring that those making claims are not over- compensated —- this would be un- fair and unreasonable to everyone paying insurance premiums. philosophy has been embodied in our claims system for years and our staff has taken a great interest in having it put into words for ourselves and our customers. ICBC’s goal is to settle all claims fairly and promptly, and there are specific steps our claims staff take to achieve that goal: © Provide prompt, professional, courteous service fo all customers. Innovations such as Diai-A- Claim and the technology that ICBC uses to process auto in- surance claims are powerful tools which help our staff deal efficient- ly with the ever-growing volume of claims. Our personnel work hard to add a human touch to this high technology. They realize that most people have had little experience in deal- ing with auto insurance claims and they strive to go that extra step to bring clarity to what can appear to be a difficult, complicated pro- cess. © Investigate all claims employing sound, ethical adjusting practices. ICBC adjusters consider issues of liability and compensation bas- ed on settlements of similar claims in the past and on decisions hand- ed down by the courts. Those who disagree with the adjuster’s assessment can turn to various appeal processes built in to the system. ® Resist all fraudulent and exag- gerated claims. People who fabricate or misrep- resent details of a claim in order to get money from the insurance fund aren‘t stealing from a_ big company...they’re stealing from you and everyone else paying premiums. The vast majority of people are honest and are treated as such. When details of a claim are unusual and require extra in- vestigation, this investigation is done in the spirit of ICBC’s Claims Settlement Phitosophy -— that an individual suffering a le- gitimate loss can expect to be properly and fairly compensated. Cooler weather A VEHICLE takes an abnormal amount of punish- ment in severe winter weather, reminds Car Care Canada of the Automotive Industries Association of Canada. The most noticeable symptom is slow starting, usually a result of the drastic decrease in a battery’s cranking power. The engine is harder to turn over for another reason: the oi] is thicker. Everything, in fact, acts stiff: the heater fan, the shock absorbers and springs, the steering, the transmission, even the brakes. So just because you have the engine warmed up, don’t assume your car is roaring to go. Drive it easy for a few miles in cold weather. Other cold weather tips: © Add a little extra anti-freeze solution to your windshield washer reservoir ... not the type you use in the engine, but a concentrate available at most auto supply stores. In extreme cold, a pint of rubb- harder on cars ing alcohol added to the windshield washer solvent will help prevent freezing. @ Do not use pure anti-freeze. The normal mixture is half water and half ethylene glycol. e Use extreme caution when spraying starting Muid. A backfire through the carburetor or any spark can cause a fire or explosicn. If you must use start- ing fluid, be sure to have a good fire extinguisher nearby. * Remember the correct way to hook up jumper cables: red clamps on positive (‘‘hot’’) terminals, then one black clamp on the negative (‘‘ground’’) terminal of the good battery. The final connection should be made to the engine or frame of the dis- abled vehicle. The prevents a spark from occurring near a bat- tery, which emits explosive hydrogen gas. 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