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Show ( DrasMiroinie EVERYTHING YOU NEED TO KNOW ABOUT SURANCE IS RIGHT THERE IN THE POLICY. UNFORTUNATELY ITS WRITTEN IN A LANGUAGE MOST PEOPLE CANT UNDERSTAND. Because the fact is, an insurance policy is written in iegalese. . . As you read these lines, you may have been nodding your head. If so, STOP! AT ONCE! This is an outrageous libel, tending to perpetuate a false impression. A few years ago the above ad was run by an insurance company in a national magazine. Almost nothing of course, is wholly false. Our insurance policies are written in language many people cant understand. A lot of Frenchmen and even more Chinese cannot understand them. This is because they are written in ENGLISH. Whether or not any given person can understand printed English is a question for him or herself to decide. True, most policy holders do no ordinarily read their insurance polices. Nor do they read the list of ingredients on the hot dog package, the installment loan contracts, or the rain check on the baseball tickets. Most people cant understand the language in their policies for much the same reason we cant jog three miles every morning. (Its cold out there. ) Look at it this wav. when you receive an insurance policy, ask yourself what is its purpose? What is it going to do for you? The narrower the purpose, the shorter the contract, the easier to read. As a rule of thumb the more forbiding the policy looks, the more protection you are getting. The shortest and simplest policy is probably the glass policy which says that certain glass is insured against loss. Is that Iegalese? Private individuals are mostly involved in two insurance contracts, the auto policy and the fire policy. Both are quite long, because they do a great deal for an individual who has one of them, and also because the company offers him a wide choice in the protection he may purchase. Take the automobile policy: You have a car. You wish to insure it, (or have to as the case may be. ) You may buy : 1 Protection for damage you cause with it. 2. Indemnity for collision damage to it. 3. Indemnity for any other damage to it. 4. Indemnity for medical expenses due to auto accident. 5. Protection for yourself against the chance that some hero with no insurance hurts you. How much of this you get depends on how much you want or have to pay for . You will almost certainly want the protection for damage you cause, so lets look at this section of the policy. This is basically what most policies say : To pay all damages the insured becomes legally obligated to pay because of: (A) bodily injury to any person, andor (B) damage to property arising out of the ownership, maintenance or use, including loading or unloading, of an automobile as hereinafter defined." The language is not complex nor is it hard to understand. There is nothing in it that could be called Iegalese, unless you choose to object to hereinafter. The contract could . ll ?DB say, as defined below," but most people can figure out what hereinafter means. After this simple paragraph we run into a lot of type, worry not, it is no less simple than that above. It is intended to ser- vice two purposes: 1. To set limits on the duties the company hs assumed. This process is sometimes referred to as giving it to you in the big print and taking it away from you in the fine print, which is a myth. These exclusions are necessary because without them this one policy could be made to cover every car and driver in the whole, wide world. They serve the same purposes as borders on a football field or borders around a country. If you look at them as a whole, you will see that the things they exclude are few and of no concern to most policy holders: intentional acts, war, racing, and some commercial use covers most of it. The second purpose served by this material is to define, basically to clarify, the words used in the policy. Policies say they will protect the insured, so we have to explain who the insured is. They say that they will cover the automobile, so we have to explain what the automobile is. The real problem in reading policies is not that you dont understand the language, its when reading it youll miss something. Now take the fire policy : A fire policy is, indeed written in Iegalese, or at any rate it leans in that direction in the basic form. It is so because it was written by a state legislature. (And we know what they are.) Even Iegalese, however is not necessarily hard to understand. The fire policy is not. It is a eird looking mess of papers, but it helps if you understand how it started, and how it got to be the way it is. Once upon a time a very long time ago, the insurance business was infested with sharp operators who did practice the art of giving it in the big print, etc. Naturally, a certain amount of public animosity developed, so a state legislature, New Yorks to be precise, wrote a policy and passed a law saying, if you want to write a fire policy, use this one. All other states though this was great, so they used it too. The original policy was written in 1889, but was revised in 1917 and again in 1943. Now, youre probably asking yourself whats dwelling and contents: , whats broad form?, etc. Alright, dwelling building and contents does not take anything away, but in fact adds such benefits as 10 coverage for detached buildings, 10 for off premises contents, 10 for rental value. Broad form again adds coverage, most importantly vandalism, collapse, and a limited theft. Add to this liability and special form. Special form insures against all physical loss, subject to a list of exclusions on the dwelling. All physical loss is available on contents, but you almost have to sell the contents to pay the bill. With this brief outline in mind we find it easy to understand property or casualty policies. An accident and health policy will require another road map, life insurance still another, but theyre all written in relatively simple English if we take the time too really understand it. If you have any questions about your policies and how to understand them, please feel free to contact me at my agency: Clair Frew, 253 N. Main, Clearfield, 825-443- 4 office, 621-535- home. 9 f-i", REIGNING IN CLINTON as winners were Byron Wayne Jeppsen, 5, and Alicia Marie Jackson, 3Vi. Other winners in the various categories are listed in the story. Clinton picks little royalty Byron Wayne Jeppsen, 5, and Alicia Marie Jackson, 3 Vi, were named winners of the Little Mr. and Miss contest held recently in Clinton. Byron is the son of Mr. and Mrs. Brent C. Jeppsen, 2669 N. 900 W., Clinton. Alicia Marie is the daughter of Mr. and Mrs. Ronald Jackson, 783 W. 2400 N., Clinton. the Winning Mini-Mist- TRANSMISSIONS TRANSMISSION $12 50 TUNE-U- & POUND The Shaklee Way Slimming Plan DISCOUNT 15 Limited Time Offer ON ALL ADDITIONAL SERVICES WITH A HILL FIELD I.D. CARD. OPEN MON. thru FRI. 8om to vS It 6pm PRODUCTS 0253400 fINANCING ON APPROVED CREDIT MOST MAJOR CREDIT CARDS ACCEPTED JULY 12, 1978 JULY 13, 1978 Five juveniles were referred to juvenile court following charges of illegal possession of tobacco and trespassing in the area of Lakeside Pond. was referred to juvenile court concerning a trespassing charge and possible window peeking incident. Clyde Franklin Conley, 39, 160 N. Lakeview, was taken to the Davis County Sheriffs Office, while Phillip LaRoque, 24, 75 W. 250 N., was released and advised that a complaint may follow, after charges of public intoxication and disturbing the peace by fighting. A possible hit and run accident was reported by Mary King, 442 S. State. She said the other driver involved left while she was phoning the police. Triangle Oil reported someone put in $5 in gas without paying for it. The vehicle and owner were traced and the man returned with payment . Real Tek reported $197 in 2x4s taken from a construction site at 38 N. 1250 JULY W. 14, 1978 An auto burglary reported by Jeff Mabey, 1289 31st St., Ogden, at Freeport Center found two other vehicles had been victimized. The stolen items were recovered and a suspect is being investigated. An intrusion alarm at R.C. Willeys Furniture at Freeport Center was investigated and the building found secure. Ernesto Espinoza, 200 W. 1700 S. reported someone destroyed the rear windshield of his car and broke out the left front drivers window. The vehicle was parked in his garage. Several warrants have been issued for arrests of suspects ,l " involving bad checks?' Officers assisted the Moss Ambulance with a victim of an overdose of sleeping pills. The victim was transported to Davis North Medical Center. JULY 15, 1978 Officers answered a complaint of disturbing the peace when a stereo was reported too loud. Ashley Chaplin, 1137 W. 75 N., reported a $35 CB antenna had been taken. An intrusion alarm at JW Brewer was investigated and the building found secure. Two boys, 5 and 8 years old, were handled and released to their parents following an apparent shoplifting incident at store. Involved were three packages of bubble gum. the Employes leaving the building accidentally set off the alarm at C and W Auto Parts. ' An intrusion alarm at Dr. Carlin's office was investigated and the premises found secure. A barking dog complaint was received and responding officers explained the process of filing a formal complaint. Debbie Williams, 20, Wyoming, was arrested following a fight with another female at the Job Corps. She was charged with disorderly person and assault. An intrusion alarm at Renies Texaco, 1350 E. 700 S. was investigated and the building found secure. 7-- BOYS Dennis 8 year olds 18.04, Farmington; Shaun Olson, 21.8, Layton; Chris Thompson, 23.9, Layton. 9 year olds David Baugh, 16.7, Sunset; Lane Goble, 21.3, Syracuse; Brian Evan-so22.3, West Point. 10 year olds David Peterson, 18.5, Farmington; Roger Carter, 25.07, Kaysville; Derek Knight, 27.8, Syracuse. 11 year olds Glen Coy, 18.8, South Weber; Kelly Wayment, 19.8, West Point; Ryan Fisher, 25.01, Syracuse. 12 year olds Shane Thorson, 19.9, South Weber; Bob Sanders, 21.5, South Weber; Terry Mathews, 24.05, West Point. 13 year olds Robert Dalton, 16.0, Layton; Tony Peterson, JULY 16, 1978 A small plastic bag, possibly containing marijuana seeds, was turned over to the police. It had been found near a fence. Two arrests were made at the Job Corps for disorderly conduct by fighting. George Singleton Jr., 18, was taken to the Davis County Sheriffs Office, while a juvenile was taken to Moweda . . n, TTOJ.-Ulili- V SERVICETSTDUR MIDDLENAMEBSER VICES SDUR MIDDLELNAMEMSERVICE1S OUR MIDDLE NAME nmer Keeps You Cool Without Keeping You Nandra Johnson, ALLEN'S SHAKLEE SAT. 8 o m to 2 p m Davis 10 year olds Mady DeGraw, 22.00, Farmington; JoEllen Thurgood, 23.7, West Point; Valerie Valentine, 24.8, Farmington. 11 year olds Kris Lilywhite, 18.08, Farmington; Julie Olsen, 21.6, Farmington; Bernadette Perez, 26.9, Syracuse. 12 year olds Diana Peterson, 17.04, Farmington; Susan Smith, 20.2, Farmington; Kelly Knight, 28.3, West Point. 13 year olds Julie Peterson, 17.3, Farmington; Linay Lilywhite, 18.08, Farmington. to lose weight on BSSSEcoupon specialSESEBBS Shane Hanson won Little Mister in the 18 month-- 3 year division, with Diana Harvey taking the honors among the girls that age. Layton. We pay you INCLUDES CHANGING TRANSMISSION FLUID. GASKETS. AND ADJUSTING BANDS. FILTER EXTRA. Scholl. tourney held at poolside Layton; P REG. SsrtOO 8 County 'converged on the Clearfield Swimming pool last week for a freestyle tournament. Awards were given in the eight through thirteen age group. ' GIRLS 8 years old Jackie Oda, Clinton. 9 years old Suzanne Lilywhite, 21.2, mington; Jenifer Thompson, 7 HAVING TRANSMISSION PROBLEMS? and Miss competition for ages up to nine months were Orlando Martinez and Micah L. Smith. Taking honors in the month categroy were Tony Oleski and Melanie throughout Sprouse Reitz. A Free-styl- e Swimmers VA'BGOK the Little Mr. and Miss JULY 11 1978 Mrs. Ron Green, 449 S. 1200 W., Sundown Mobile Home Park, reported finding a live artillery shell. The 20mm practice round shell was taken by police and turned over to the Hill AFB Ordinance Disposal Unit. Pearl Tirado, 156 Ross Dr., reported someone apparently took $150 worth of jewelry and shoes from her home. Fina Gas Station reported someone drove off without someone paying for $7.35, while the Triangle station reported did not pay for $2 worth of gas. David Earl Crocker, 47, was arrested for public intoxication and taken to the Davis County Sheriffs Office. His address was listed as 932 E. 450 S. Rand Everhard, 380 E. 300 N., reported a tool box and tools, valued at $28, missing. He left the items in the parking lot of si w BEAT THE HEAT! Broke. TOD exon Cools up to 1 1 00 sq. ft. All work guaranteed for 1 full year parts and labor Professional installation n Valentine, 16.5, Layton, Mathews, 26.3, West Point. - NOW OPEN &B Glass Sorvico 1181 So. State, Clearfield OWNED Buy flow end Don't Sweet It this Summer APPLIANCE CHEATING 375 So, 1539 W., Roy 773-844- 1 By Bobby Webb glpf WE ARE YOUR MICROWAVE COOKING CENTER RICH BROTHERS David 529 O We want to honor Patsy Seach, our trusty mini-bu- s drivei. She patiently puts up with our various odd ideas of what we g like best. She helps us with her hand when we have a sudden limp that spoils our , She sings with us often and makes life really worthwhile, joke is often forthcoming from her. She often helps our1. jokes when we forget the punch of it. Also Patsy bakes our birthday cakes and helps sing our birthday songs. She lines up with us to sing in group singing ' too. She is a super driver, night or day, to the opera at Lagoon nights, or to the Heritage Center for classes or for dinners. Three cheers for Patsy! ever-willin- get-a-lon- : f ' 9 July has really been s fin month for many of Seniors. Birthday celebrations galore - Ella Shepherd, Clyde Smith, Zena Williams, Kathy Kinble, Geneva Ejuuhetw Augusta Hajlock, Harold Steele, Edward Marti- -, Ifctima Taylor, Ellis and Annie Wood, Eelva Young, T 777 Alvin Smith and Eddie Cola. Harold Steele teaches photography at the Heritage Center; ifi 4H ' 4j 7 ; vfj place with s lovely paintlrg. She also wonsn hoea-ktion. Julius Kritznerman wai third place ki reaction of his oil painting. Julia Alberts also was ven testable men. tion. , 4 H .A. We welcome back fcjfci Get Vsnetla She ha! been on vacation to Pctdla, Calif. Ca victd with her She reports granddaughter and a new h that the country thereis beehi ' 773-37- 31 E News from Horitago Center a to. Ststo, Clesrfldd 773-03- 30 5 Senior Citizens Comer I CtleaA&lett cctScrvteo Center ft. t |