HELP’S AT Hand, by North
Shore ‘Community Services
(NSCS), is a forum for discussing
government policies - and pro-
grams, benefits, consumer and
legal rights, taxation and public
services,

Answers are intended only as a
general guide and should not be
applied to individual cases withcut
further consultation.

Questicn:.} will soon be starting
a volunteer position where my job
is-to. drive people to medical ap-
pointments, I'd like to know if I
heve to make any changes in my

car insurance.

Ausw

er: The first thing’ you-~

should do is check your vehicle’s
insurance with. your, Autoplan
agent to see whether .you will’ be
covered if someone is injured
while in -your car and makes a.
', Gaim for compensation:

Ask whether your coverage of-
“fers “full. protection for volunteer .
activities, °

"IF... your car. is ‘insured for
. pleasure. use, or for driving to and
_ from work, you will be protected.
- HF-you ‘are a senior. citizen and
have Yehicle insurance for pleasure
“driving you will also be covered.
- This applies onty if you do not.
- earn “money from. the volunteer
-, As a volunteer. driver, how-

"1600 - 800 W. Pender
Vancouver, B.C.
VEC 2V6

° ¢ Financial Planning

« Retirement & Estate Planning

e RRSP. & Money Accumulation

¢ Individual & Business Life
Insurance Brokerags

¢ Group Insurance & Pension
Plans

Christianson Financial
". Services Lid,
#904-510 Burrard St, Van. V6C 32A8
Pr. 683-2414 Fax: 621-3388
Res: 922-8566

ever, you can be reimbursed for
the cost of gasoline or wear and
tear on your car and still be con-
sidezed a volunteer.

You may want to increase the
limit of your third-party liability
coverage, especially if you only
have the basic $200,000 protec-
tion.

It would be wise to increase it
to at least $1 million. This means
that any claims for damage made
by passengers, other drivers, or
pedestrians would be covered up
to $1 million.

Some voluntary organizers do

hold their own special excess
third-party liability
coverage. This protects volunteer
drivers if a claim for injury ex-
ceeds the limits of their own in-
surance, .

In any case, you should ask the
organization you are volunteering
for if it carries insurance and to
what extent you are protected. In
some cases you might have to pay
to be included under the insurance
plan.

Regardless of what kind of
coverage you or the organization
has, as a volunteer you have 2 du-
ty to take care and drive in a safe
and careful manner.

In British Columbia the law
says you could be held responsible

Protect -
Income & Estate
Without Risk or Obligation

Explore Your Options §

‘EUNICE GREEN

Retirement Tax & Estate Planning fe

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& INSURANCE 142A West 15th Street
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n 987-3372, 960-4422 (fx)

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insurance *

Increase - Preserve §

for damages if ordinary negligence
is proven. Negligence can
proven if your conduct is below
the standard that a reasonable
person in similar circumstances
would use.

For example, it is negligent to
forget to put a wheelchair brake
oa when Jeaving a disabled person
near an incline.

If an accident does occur, make
sure to keep a detailed personal
record of it. Note who was pres-
ent and witnessed the accident,
weather conditions, and a descrip-
tion of the area where the accident
took place.

From this description, it may
seem that there are many risks in-
voived in being a volunteer. Actu-
ally, ‘volunteers are rarely sued,
and the chance of being held per-
‘sonally tiable will be minimized by
your awareness and preventive
steps.

This information has been taken

from a booklet entitled Volunteers

and the Law, published by the
People's Law School. For more
information or to obtain a copy,
call them at 688-2565.

This column is prepared with
financial assistance from the
Notary Foundation. For more in-
formation call NSCS at 985-7138.

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guaranteed

| Redeemable every 6 months

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Residence:

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300-1190 Hornby St., Vancouver §

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Sunday, September 2 20, 1992 - North Shore News ~ 23

ARTHRITIS FORUM -aitce

ARTHRITIS MINI-FAIR TUESDAY, SEPT. 2, 1: 30 PM-9: 30 PM
Lions’s Gate Hospital Gymnasium (enter off 15th Street)
Specialists to answer questions about: Nutrition, Pharmacy, Fibromalgia
Support Services, Children’s Arthritis, Senior Services, etc..

Chair Exercises Demonstration plus a wide variety of information pamphlets.

NOCHARGE REFRESHMENTS ALL WELCOME :
The Arthritis Society N.S. Branch Infermation 926-3672

THE KIDS ARE THERE.
DRIVE WITH CARE!

PA
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For information and Appointment CALL 984-7900
Suite 105-130 Lonsdale Ave., North Vancouver

Have you checked the interest rates on. bank
savings accounts lately? Or the ever-declining: |:
returns on 90-day Treasury Bills?’ Or today's ©
GIC rates compared with a year’ago? And how’. |
_ the investrnent income you took for granted has”
begun to erode? You're ‘developing Symptons,
of rate. shock. ci

Today's reality i is that investment ir income can be La
stabilized at ‘meaningful levels and sheltered -

’ against future. rate ‘shock by: taking dacisiv
action news. The first essential is to ‘extend the:
-average . maturity: term “of: your: income*:
investments. by © ‘including - ‘government
backed... mertgage | securities | and
bends. Interest payments as high as: 9%. can:
still be earned in Provincial Bonds. Call fora:
free informational kit on increasing your income:

DO YOU KNOW:

© What financial planning is?
».When you should consult

appropriate planner? ., “
- ‘CALL FOR‘A FREE *
o CONSUMER GUIDE.

25th i issue e of -
“Your Money's -
Worth” contact |
Jean Sing ier
at 985-21 131
ext..179

_ TAXOR ESTATE
PLANNING —

contact: .

T. Douglas Roe
William M. Hoops
Jérry K. Wong
Suite 811 - Kapilario 100
South Park Royal
West Vancouver

Ph. 925-1317 Fax: 925-1118