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Western Carolina University Publications
WCU - Western Carolina University Publications

Western Carolinian Volume 43 Number 16

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  • JANUARY 12, 1978/THE WESTERN CAROLINIAN/PAGE 3 N.C. Insurance laws updated The controversial new insurance law that bans the use of age and sex in computing ; utomobile insurance rates in North Carolina went into effect December 1, 1977. The bill will: •Stop charging male drivers under 25 and their families higher rates than other drivers. The rates, now twice those charged young women and adults, are based on group driving records as well as an individual's record. •Peg all rates to the use of the car, the driver's experience and driving record. And to a lesser degree, where he lives. •Increase surcharges on drivers who violate traffic laws that cause wrecks. •Enforce a new schedule of insurance points that will stiffen punishment for violations for the first-time charge for minor offenses, such as running a stop sign and wrecks with damage under $200, in which the insured is negligent. •Double the basic rate for all new drivers with fewer than two years experience, whether they are 16, 36 or 66 years old. •Apply standard surcharges on collision and comprehensive insurance as well as liability. For many, this will further push up the cost of traffic violations. •Liability insurance is compulsory in North Carolina. It pays for damages your car causes to other cars and people. Collision insurance which is not required pays for damages you cause to your car. Comprehensive insurance is also optional and pays for theft, fire and storm damage to your car. North Carolina Insurance Commissioner John Ingram has said that December 1st was a red-letter day in his career. Ingram made two major commitments when he first ran for Insurance Commissioner back in More Newsbriefs The WCU Catamount Republicans now have an office in room 28 of Joyner Building that will open on January 20. The office will contain a library of issue materials, situation papers, and Republican Party campaign literature. This material is available free to all students interested in how the Republican Party stands on the issues of today. The Catamount Republicans will meet Wednesday evening at 7:30 in room 15 of McKee building. At that meeting they will elect a new secretary and begin plans for the rest of the year. All students interested in politics are invited to attend. Carpool coming Norris Orbach of the WCU English department, had planned a meeting of his newly-formed carpool Monday, but he hadn't planned on plunging temperatures or a snowy surprise attack. After apologizing for not showing up for the Monday meeting, Orbach, said that the carpool is still on, and for interested persons to contact him at the English office in McKee. Cherokee studied WCU assistant professor of history Theda Perdue will be studying Cherokee history at the Center for the History of the American Indian in the Newberry Library in Chicago. Ms. Perdue, who received an A.B. degree from Mercer University in 1972 and an M.A. degree from the University of Georgia in 1974, will write a manuscript from archeological and 18th century French and Spanish records. She will try to reconstruct Cherokee society and its subsistence economy. Erwin speaks The personnel training supervisor for Southern Bell Telephone Company will speak to the Western Carolina chapter of the American Society for Training and Development about management development at 5:30 p.m. January 17 in S & W Cafeteria. Jim Erwin, a Southern Bell employee for 38 years, is scheduled to talk about practical applications of the employee motivation theory of Frederick Herzberg at the dinner meeting. Erwin attended the University of South Carolina and is president of the North Carolina Telephone Pioneers 1972, and that was to eliminate North Carolina motorists being cancelled in this state with the Reinsurance Facility and to eliminate age and sex discrimination in insurance in the Tarheel State. One insurance official admits, "The idea of this thing is everybody is equal until they have had an accident." The change shifts a portion of the $400,000,000 paid Annually for automobile insurance from young male drivers to drivers with bad driving records. Drivers won't begin paying revised rates and surcharges until their policies are renewed during the next twelve months. Under-25 males, however, can take advantage of the lower rates now by cancelling their old policies and taking out new ones. For those males under-25, the changes will be a boom. An example—basic liability costs for a young Charlotte man with a clean driving record, who now pays $219 a year, will drop to $77 if he drives to work fewer than 10 miles one way. This new system also will smooth out inequities among families who have and under-25 male driver in the household and those who have an under-25 female. Families with a young male driver have paid substantially more for insurance than a family with a young famale driver, even if the parents violated a traffic law. Surcharges for violations are assigned to the family driver with the highest premium. Males under 25 now pay two and one half times the rate of young women and adults. "If they had a young son, they paid $700," Ingram said of a parent who got convicted of drunken driving. "If they had a young daughter, they paid $184." Banning age and sex consideration in automobile insurance rates has been a prolonged and bitter struggle between Commissioner Ingram and the state's insurance industry. Ingram, who is a Democrat and may run for the U.S. Senate in 1978, promised in his 1972 and 1976 campaigns to abolish these higher rates for young men. He often argued they had to pay more tor liability insurance than an adult convicted of drunken driving. Ingram's reform proposal appealed to many who thought insurance companies unjustifiably charged all young men higher rates because some caused a lot of accidents. The insurance industry opposed the concept with equal fervor, contending the rates were fair, because young males as a group caused twice as many accidents as other drivers. Industry officials say those wrecks are twice as costly as those caused by adults. Ingram was able to keep the ban on age and sex discrimination alive in the 1977 General Assembly through the help of other concerned members of that party, even though the 1977 General Assembly stripped Ingram of most of his authority to regulate insurance rales at what Ingram terms fair for North Carolina citizens. Ingram maintains the under-25 male drivers aren't as accident-prone as insurance companies would have the citizens of North Carolina believe. He says, "Less than 10 per cent of the people under 25 have been causing wrecks, so 90 per cent have been surcharged and penalized for what the others have been doing. The battle over the new classification plan is not over. Ingram said his staff believes the inexperienced driver surcharge should be $30 rather than $70, and that other issues will be debated when the hearings on the clan resume next snrinp. Students watching "Nashville" Sunday night with friends were greeted by a snowy surprise when they tried to return home as freezing temperatures and moisture moved in for a stay. Bundle up in your woolies boys and girls, there's more coming! of America. The meeting is the first of the Asheville-based Western Carolina chapter of ASTD, a trade association for trainers and managers of human resource development. Reservations aid information may be obtained by calling the chapter president, chairman of the WCU management and marketing department Dr. Keith T. Stephens, at 293-7482; WCU associate professor of management and marketing Dr. Howard R. Harlow at 293-7402; or Nancy Seymour at 274-2400. The dinner will cost $5 and is open to the public. Ceramic show The ceramic sculpture of Frank Fleming and Frank L. Engle will be featured in "New Attitudes in Clay," an exhibition that opens Sunday in the art gallery of Carol Grotnes Belk Building. The exhibition will open with a public reception in the gallery at 2 p.m. Sunday. At 3 p.m. Engle will present a lecture and slide show. Engle is currently professor of art at the University of Alabama. He received his training at John Herron Art Institute in Indianapolis and the University of California at Los Angeles, and also has taught at the University ol Iowa and the University of Evansville. Fleming is a graduate of the University of Alabama, and now lives in Birmingham. He has participated in exhibitions across the country, including the National Exhibition of American Crafts at Newport, Rhode Island; Contemporary Crafts of the Americas at Fort Collins, Calif.; 35 Artists in the Southeast at Atlanta; and the National Small Sculpture Invitational Exhibition at Cypress, Calif. I he exhibition, sponsored by the WCU Lectures, Concerts and Exhibitions Committee, is free to the public. It will continue through Jan. 27.
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Western Carolina University Publications

The Western Carolinian is Western Carolina University’s student-run newspaper. The paper was published as the Cullowhee Yodel from 1924 to 1931 before changing its name to The Western Carolin...

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