Pati «. Swe Logon cedars ASSIA Sees Rey prs. ini rraba bare? Sire rarer erry iN as tats Om Le te re Ak a ey one srg ae Oh ad oy i pyre quick in the Sun classifieds Charlie Sez... Check Your Decal For ICBC sie cence Pies & Perl “Taking Balter Care OF You" at Fay INSURANCE 365-3301 1127 - 4th St., Castlegar Who is eligible for “No-Fault” accident benefits? se benefits may be claimed by occupants injured in any vehicle insured by Autoplan. They apply to injuries sustained in accidents ‘anywhere in Canada or the Unit- ob Dearie, menreyen Ot whe is hold) who is insured by Auto- plan, or has a valid BC driver's licence, a that is insured by Autoplan. What are these benefits? “No-Fault” Accident Bene- fits provide payment of rea- sonable medical and rehabilitation exp home- “baed pas attendant care and equipment and supplics for di as approved by. ICBC's medical advisor, are also included. B that may be claii 4. maker expenses, payments for total disability, funeral expenses and death benefits. The maximum allowable for medical and rehabilitation in Canada or the United States. These benefits also apply for and cyclists who, in Canada, collide with a vehicle ~ YOUR SALES & LEASING CASTLEGAR mazDa r iN ORDER TO RED 365-7241 is $150,000 for each injured person. Funeral expens- es are limited to the cost of the funeral or $2,000, whichever is less. Full details are im the Autoplan's Rehabilitation Pro- gram brochure. What expenses are reason- able? is $300 a week for once the UI. payments period the period of total bili ,Payments will be paid only to ple whose injuries have under snd hart insurance plans are a covered aby Auto- plan. (No expense may be claimed twice), How is total disability Total disability is any condi- tion preventing an injured per- son from performing the duties of his or her usual occupation or any other suitable Occupa- tion in order to earn @ living. for a totally disabled by the insured as a result of the injuries would include necessary medical, surgical, dental, hospi- tal, ambulance, professional person are intended to compen- sate to some degree for lost earnings but there are situa- tions in which saemployed totally disabled them for eight days or more. In calculating the amount to be paid by Autoplan, the weekly total of Gisability payments from) all other sources is deduct- ed from 75 percent of the injured person's average gross ‘weekly earnings. the difference is considered the weekly net lost earnings. Autoplan will pay for the lost camings up to $300 weekly pro- viding the total of all payments does not exceed 75 percent of the average gross weekly carnii How long will the disability payments last? If a person is still disabled at the end of the 104 weekly pay- ments, these payments for total disability will be reduced by any amount payable by the Canada Pension Plan. These payments continue for the duration of the disability or until the insured reached age 65 and is still dis- abled but has not received pay- ments for a total of 104 weeks, A homemaker who is totally disabled in a traffic accident may also be eligible for benefits not ling $145 a week to hire a persons, includi ing services, chi physiotherapy, occupational ther- apy, speech therapy, prosthetics ers, may be entitled to benefits. UGE wIVERTORY * SPECIAL FINANCING AVAILABLE * MINIMUM $100 * DEALERS WELCOME * NO PHONE SALE PROFESSIONAL QUOTES DURING APPRAISERS AVAILABLE TO GIVE HIGHEST POSSIBLE TRADE IN ALLOWANCES DEPOSIT REQUIRED FIRST COME - FIRST SERVED! person, other than a family mem- ber, to perform the household tasks of the homemaker. When do disability payments start? Payments apply from the eighth day of the injury and start once the disability has been med- ically confirmed and is more than 7 days in duration. There also must be proof that the injured person was employed at the time of the accident or had been work- ing 6 of the previous 12 months. Employed persons will usually be eligible for Unemployment aiid’ should ‘apply iftime dfitely. ‘Autoplah payments ‘cover the waiting period, normally two weeks, and cease or are reduced the i d will i to receive payments until the 104 weeks are done. At that time, payments will stop. Also, if the employed person is over 65, he or she will be entitled to the max- imum 104 weekly payments. What if the injured person is unemployed? A person who is not employed at the time of an accident but has worked six of the preceding twelve months is eligible for total isability pay If empl for less than six months, he or she will be advised to seek assis- tance through the Ministry of Social Services and Housing. Are daims for Accident Ben- efits. ever denied? hi The claimant. may not be eligi- ble for any Accident Benefits in a It doesn't matter whether you car is Fight ost of the showroom, almost new, or ten years old — proper maintenance is an important factor in keeping it smoothly. ‘A tune-up approximately every six mooths or after 10,000 miles (especially if they are highway miles), is « good ides if you want your car to rum to its full potential. This will not only make your everyday driving less worrying schools have en auto shop where students Your automobile's upkeep is an important everyday task can learn the basics about car maintenance — something that they may be grateful for ‘at a later time in their lives. It ts @ good idea to bring your car to 8 local mechanic if you suspect that it is not running like it normally should. that could be « minor problem with your car's engine today may become « major headache tomorrow if not take care of immediately. A mechanic will be able to clear up the problem before the cost and aggravation escalate. Doa't try doing any work on your car if you're not familiar with that part of the engine of chassis. In the long run, you may end up costing yourself more im time and money when you have to bring the cart 2 mechanic to wrongs or pay the hospital bills for the injuries infliced upon yourself. 713 - 17th St, Castlegar edie te EE Collect at 368-7241 GROTE 5" RUBBER LAMPS $qoO Wednesday, August 24, 1994 ON THE |Cont. trom page 6B | some circumstances, including, but not limited to: * accidents in which the driver does not have a valid driver's licence + accidents resulting from an attempt to avoid police action + involvement in unlawful trade or transportation or * participation in a race or Speed test If someone is killed, what will the surviving family receive? Commencing 60 days after the death of the insured, regular pay- ments will be made to a surviv: f° $5,000 would be followed by weekly payments of $145 for 104 weeks. In the death of a spouse sur- vived by the head of the house- hold and dependent children, there would be an initial pay- ment of $2,500 for the head of the household and $1,000 for each child, This would be fol- lowed by an additional $145.a week for the head of the house- hold and $35 a week for cach child for 104 weeks. If both the head of the household and the spouse are killed in the same accident and are survived by three or more in each situation based on the Status of the deceased at the time of the accident and the number of survivors. Examples of the death benefits allowed in specific situa- tions are: In the death of the head of the household who is survived by a spouse and one or more depen- dent children, there would be an initial payment of $5,000 for the spouse and $1,000 for each child. This would be followed by an additional $145 a week for the spouse and $35 a week for each child for 104 weeks. In the death of the head of the household when there are three or more dependent children but No surviving spouses, an initial payment of $5,000 plus $145 a week for 104 weeks would be made for one child. For each of hildren a total pay- ment of $7,500 plus $145 weekly for 104 weeks would be made for one child. For each of the others, an initial payment of $1,000 would be followed by weekly payments of $35 for 104 weeks. These total funds would be equally divided. If there are two dependant children an initial payment of $7,500 plus $1,000 for the second survivor plus weekly payments of $180 for 104 week would be equally divided. If there is only one dependant survivor an initial payment of $7,500 would be followed by weekly payments of $145 for 104 weeks. In the death of dependent children, both parents will share $500 for each depen- the others an initial p of $1,000 would be followed by weekly payments of $35 each for When there is no surviving spouse but two dependant chil- dren, an initial payment of dant d d child up to 5 years of age, $1,000 for each dependent: deceased child from. 5to. 9 years of age, -$1,500 for each dependent deceased child from 10 to 18 years of age and $1,000 for each dependent deceased child of 19 years or more. $5,000 plus $1,000 for the sec- ond survivor plus weekly pay- ments of $180 for 104 weeks, would be equally divided. When there is no surviving spouse but one dependent sur- vivor, an initial payment of poor ‘VOUREED GEBAN, NORTHSTAR Power-tai, 296 1.P., Saas See our_ad in the . West Kootenay Advertiser HOW TO CARE FOR YOUR TIRES Submitted by: Larry Chernenkoff, Big O Tires Buying high-quality tires, buying the proper size for your car, and buying from a reputable tire retailer are all important for tire safety, ie The spouse who, during the twelve months preceeding the accident, provided the major portion of the household's income and was legally liabel to contribute to the support of the household, is considered to be the “head of the household”. To whom are payments made? All spousal payments are made to the surviving spouse. Pay- ments for the children are made to the Public Trustee, If there are no children or spouse but a dependent parent, payment would be to that parent. How is spouse defined? For purposes of deter- mining accident benefits, ‘spouse’ is considered to be the legal husband or wife of the head of the household or, though not legally married, the part- ner in domestic relation- ship that has lasted at least two years. In the event of death of the head of the household, the surviving spouse would either con- tribute to the support of the ‘household or be responsible for supporting 365-4992 dependant children. Who is considered a depen- dent? In accident benefit payments, a ‘dependent’ is a spouse, child or parent for whose support the insured is responsible. Do daims for Accident Bene- fits increase insurance premi- ums? No. They do not affect the Claim-Rated Scale so they do not increase an individual's premium. What if there’s a dispute over medical or rehabilitation expenses? Specific procedures govern the request for and the hearing of an arbitration. These must be fol- lowed precisely, For details on the arbitration process please contact your adjuster or ICBC's Cc Relations D at 661-2800 or toll free within BC at 1-800-663-3051. SELL IT IN THE CLASSIFIEDS! LoW MILEAGE USED VEHICLES ‘91 FIREFLY LE convertible Cassette stereo, automatic transmission, 25,700 kme., like new. *7995 tire life, and dt they're just the beginning. yout tires also need proper care. The suggestions and tire tips in this column will help you to get the maximum return on your tire investment. Must | replace my present tires with the same size tires? Never choose a smaller tire han the size that came with the car. Smaller tires may not be able to support the loaded weight of the vehicle. Tires should always be replaced with the same size designation — or ‘92 NISSAN PICKUP 2400 cc, 12 valve engine, 5 speed manual transmission, CO player, only $4,000 kms. *8995 ‘91 PONTIAC GRAND AM LE 2 door coupe High tp ad forego, 5 spd. manual, MC, cassette stereo, 1um wheels, tit wheel, one owner locally owned vehicle “10, 995 ‘91 CHEVROLET BERETTA GT au ut tees air conditioning, automatic transmission, drivers side factory sun root, cassette stereo system, only $4,000 kme. “644, 995 the approved opti - recommended by the auto or tire manufacturer. WITH YOU MAKE A“ Date” R PLATE. Check the __ day decal -_ - Beautiful British Cohunbia es ‘monthly decal '93 ASUNA SUNFIRE 2 door coupe 2A ie. AWM cassette, 5 spd. 4 oy, H.0. engine, remainder factory warranty, dix. interior, Lotus suspension $42, 495 Operating a boat safely — What you should know (NC) — In the interest of safety when operating a boat, small craft opera- tors néed to have a good level of boating know!l- edge and skill. It is also important to realize that this level of boating abili- ty must be i with edge and skill involved are as follows: 1. Laws and Regulations! Before heading out, boaters need to know the licable laws, hae local rule. These Jude: Collisi R 1 the type of boating activi- ty being undertaken. The primary areas of knowl- tions, Small Vessel Regula- |Cont. on page 8B ka Nitd Hyson ECIALIZED A SERVI ENUINE PARTS AND ACCESSORIES D ip - ICBC Claims Handied Promptly ara t PONTIAC a HE Nite am You can be confident that we will be there after the sale to service your new or used vehicle. CASTLEGAR MaZzDa rt ren enn Quatiry WorRK AT REASONABLE PRICES Auto Body & Hull Painting 713 - 17th St., Castlegar Call Carl Johnson at 365-7241 ~ Complete Boat Repairs and Paint Refinishing - Refurbishing - Gel Coating - Metal Keel Capping Q 3.4 LL. SFI engine, (160 hp), 5 spd. manual transmission, drivers & passenger air bags. 4 wheel anti-lock braking system, cassette stereo system, pass-key anti-theft system, aluminum wheels, 16° touring all season radials, tilt steering wheel, lots more options & features. $18 .198 = Tar 1994 PONTIAC SUNBIRD SE 3.1 Lt. MEIV/6 engine (140 hp), 5 speed manual transmission, air conditioning, flip-up sun root 4 wheel anti-lock braking system, full gauges package, aluminum wheels, power windows & door locks, cruise control, split folding rear seat, fog lamps, fully loaded with options. *18,263 VA engine, Auto eed power sun beet cansette stereo, power windows & locks, Cruise contro, fully loaded hucury car. $44,995. ‘92 BUICK PARK AVENUE ultimate luxury car Fully loaded with options and power features, only 44.500 kms. *21,995 1994 PONTIAC GRAND | 23 Lt DOHC high-output engin (175 hp, 5 sp. mana rns, cnn. at-ck raking system, CO pay stereo sys, cruise contro, electric remote contro! miors, power windows & door locks, spit folding rear seat, tit steering whee, fog amps, 16° aluminum wheels, drivers sie a bag, fuly nade, TAKE A TEST DRIVE TODAY! $21.,.263 wsiky |" V Roadside. PONTIAC BUICK GMC (1989) LTD. BRASSISTANCE For All Your Insurance Needs CASTLEGAR SAVINGS culinted deiinetaiinian LTD. Valley Branch rf eeenons Hey € 5) Siocen Patt, B.C VOG 280 OVER 40 QUALITY USED VEHICLES TO {< CHOOSE FROM Kt Just Feels Right! Rick Kellen's Castlegar Mazda © 713-17th Street in Castlegar CALL NOW, CALL COLLECT 365-7241 *™- 100 - tooo ors Camtlegar, B ae V1N 4G7 _ UAP/NAPA AUTO PARTS 707 - 13th St., Castlegar, BC VIN 2K6 365-7248 The Spier 365-2155 Collect. The Sport ot evcellexce/ avocllen TRAM, FRUITVALE, ROSSLAI f TQUsTOMaRS CALL 9ee-0213 t oe: 4 ee ee ———— ST Eh A a