OUR CHECKLIST of the APVI vehicle registration and insurance form concludes this week with a look at ‘town damage’’ coverages, Loss of Use coverage and the Claim-Rated Scale. Own damage coverages include Collision, Comprehensive and Specified Perils which pay for damage repairs, less your deducti- ble. Collision covers dzgmages you inflict on your own vehicle. This type of claim usually results in the loss of discount levels on the Claim-Rated Scale, which in turn means a higher premium when you renew, True to its rame, Comprehen- sive Coverage looks after fosses due to a wide variety of causes. Fire, iheft, vandalism, collision with an animal, earthquake dam- age or stone chips in windshields Ken Hardie INSURANCE CORPORATION OF SRITISH COLUMBIA AUTOTOPIC are all covered by comprchensive — even falling through the roof of a supermarket (remember the Save-On collapse in 19887}. Specified Perils offers a limited comprehensive protection package that doesn’t include windshield damage or vandalism coverage. Like collision, comprehensive or specified perils claims involve pay- ing a deductible, but unlike colli- sion, there is no loss of Claim- Rated Scale discount. Premiums for Own Damage coverages relate to the market value of your vehicie, noted by a number from 0 to 19 in the box marked ‘‘Rate Group.’’ The higher the number, the greater your vehicle’s value. As most vehicles decrease in vaiue over time, you may notice that this rate group number drops every three to four years. Unless you own a °78 Rolls-Royce Cor- niche convertible — it's still up there at Rate Group 19. Loss of Use coverage pays for your substitute transportation in the event your vehicle is out of commission due to an Own Dam- age claim. It follows that you must have Own Damage coverage in order to purchase Loss of Use, and the premium depends on the limits you choose. Your total premium is tallied up in the ‘Annual Premium’’ box and it’s at this point that a good driving record pays off in the form of a Claim-Rated Scale dis- count. ICBC knocks ten per cent off your Annual Premium for every year you've driven without caus- ing an accident, up to a maximum discount of 40 per cent. Motorists with really poor records pay a surcharge over and above their annual premium. This discount or surcharge is noted on the APVI and the net premium is calculated. Then, Motor Vehicle Branch fees on ¥ wr «CAA new ’ spirit of giving AUTOMOTIVES Do you want collision or comprehensive? Friday, February 8 1991 - North Shore News - 34 Get ready for Spring Tune your Mazda! SPRINGTIME FREE 20 POINT TUNE-UP pis SAFETY INSPECTION . . Bal Replace engine oil & Reonfectors 13 Steetng iekage filtersTop up all fluid 2 Coolant stergih 14. Driveshaft & levels. Wash & clean 3 Radiator hoses universal joints ~ 95 4 Heater hoses 15. Front & rear 5 All oil levels. suspension 16. Shock absorbers Plus parts 6 All fluid levels 17. Twestread wear MOST MAZDA CARS & LIGHT TRUCKS first to check the vehicle use Rate Class, your coverages, limits and deductibles to ensure that it pro- vides the protection you need. are added to produce your total amount. When you renew your Autoplan policy, review it with a broker 7 All bghts 8 Fue! fitter 9 Air cleaner fitter 10 PCV. valve 11 Windshield wiper blades 20. Test drive comments COMPLETE OVERHAULS ¢ ENGINES ¢ TRANSMISSIONS e CLUTCHES * SHOCKS Nl Mazda Parts A & Accessories B Specialized Mazda ee Service -NO FRILLS! NO GIMMICKS! —JUST LOW! LOW! PRICES —-AND THE GREATEST SERVICE BEFORE You BUY CALL US! m sick and tired of people whining about “Things are so ex- pensive today” and then go waste Collars on over-rated, over- priced JUNK!! If you're going to buy tires in the next week and you don’t buy them from me — SHUT UP! Quit whining. i'm daring everyone for 1 WEEK ONZY to match my prices. WHOLESALERS WELCOME NO OFF-BRAND BALONEY — BRAND NAME ONLY UNIROYAL & TOYO Doors open this Saturday 8am sharp — no one admitted earlier. § EARLY BIRD SPECIAL — 1st 5 Buyers through the door —- FREE BALANCING & INSTALLATION AND A COFFEE. UNIROYALT TIGER PAW AIS 49" White Stripe P175:80R13 P185/80R13 PIASI75RI4 PIQ5/75R15 P208/75R18 1989 560 SL Black/black leather, both tops, 17,000 km. Local. All books & records. Stk. #P1194 Offered at °69,900 1988 300E Sedan Smoke silver/cream, 73,000 kin. Local. All books & records. Stk. #59144 Ottered at 39,900 1989 560 SEL White/burgundy leather, 39,900 km, all books & records. Stk. #P1206 Offered at 568,900 1989 CE 300 COUPE Red/black leather, heated seats, one-owner, 17,000 km. local. All books & records. Stk. #PLIIOA Offered at 559,900 Blackwall 1§5SR12 155SR13, 165SA13 V7SSAI4 185SR14 165SR15, 1?5/79SA13 185/70SR13 185/70SR14 y 195/705Ri4 Mercedes-Benz P2OS/75A15 P2ISI7SRI5 P225I75R15 P23575R15 ~.