tuesday, november 20, 1979
daily nebraskan
page 9
Attorney deals out free advice on student problems
By Gordon Johnson
Most students hopefully will not require
the services of Bob Lange's office, but for
about 150 students a month it is a comfort
to know his services are available.
Lahge is an attorney who runs the
Student Legal Services office on the second
floor of the Nebraska Union. The office
has been in existence since 1973 and Lange
has worked in the office for two years.
Lange's salary is paid through student
fees and he is hired by ASUN. The position
requires Lange to be available to answer
student's legal questions and to advise
ASUN when necessary.
The cases Lange advises are mostly
minor cases because the regents do not
allow him to go to court to represent his
clients: he may only advise. -
This is the most frustrating part of the
job, he said, because going to court would
allow him to become more effective,
t
"IT ALSO GETS frustrating because 1
can only give a very limited amount of
time to an individual," he said.
His time is limited because he serves
about 140 to 150 people a month, not
including people who call him for advice.
"I don't like to give advice over the
Insurance . . .
Continued from Page 8
Straight life has a constant premium
which tends to be higher because it does
not increase, Belth said. A straight life
insurance policy contains a cash value
which increases with the age of the policy.
THE MAJOR DIFFERENCE between
renewable term and straight life insurance,
Belth said, is "savings accumulation." A
straight life insurance policy acts as a
savirgs vehicle because of its increasing
cash value, whereas term insurance has no
cash accumulation, and cannot be cashed
in.
Although a straight life policy can be
used as a cash savings plan, the interest rate
earned on it usually is lower than that of a
savings institution, Belth said. The interest
rate depends on the policy .
Belth also said that he is neutral on
straight life versus renewable term. He said
the choice is one only the consumer can
, make, and boils down to the question of
using life insurance as a savings vehicle.
The third consumer question is "Where
do I buy my insurance?" Belth said. When"
choosing an 'insurance, institution, a
financially strong company with low prices
should be considered. Best's Insurance
phone, but I will give them Information"
he said.
. It is too easy to miss a point or overlook
a piece of information or evidence when
one gives advice over the phone, he said.
Most of the problems he deals with
concern housing and alcohol, he said.
"Far and away the most common prob
lem is housing. It causes about one half of
the problems "he said.
People seem to have a hard time getting
their security deposits back or the landlord
does not want to maintain the property
and keep repairs up, he said.
LANGE SAID THE second greatest
problem his office deals with is alcohol re
lated ; driving while intoxicated . '
And the third greatest area he deals with
falls under the heading of petty offenses.
Destruction of property or traffic accidents
fall under this heading.
Some questions regarding tlie right to
privacy have also popped up on campus, he
said.
Some people in the dorms have allowed
their rooms to be searched without the
authorities acquiring a search warrant, he
said.
"You shouldn't leave your constitution
al rights at the door when you check in for
Reports, a publication that evaluates a
company's "financial strength is a good
guide in choosing, he said.
BELTH SAID WHEN selecting a
company the consumer runs into identifi
cation problems. He added there are
innumerable insurance companies named
"Lincoln something" or "Jefferson some
thing" and asked why there are no
insurance companies named "Nixon Life."
According to Belth, it is "extremely
difficult" to make the right decision in
buying insurance, but it is the responsibili
ty of the consumer to purchase ,the most
appropriate policies and to take tlie initia
tive , in finding his company and agent.
Belth said that selecting an insurance
agent should be done in the same manner
as selecting any other professional
services, such as a lawyer or doctor.
Unfortunately, Belth says the insurance
business has not been set up on consumer
selection basis. He added that insurance
agents pride themselves in seeking out their
customers. .
Because life insurance purchases
necessarily deal with the subject of death,
people are leery of looking at life insur
ance as a consumer good , he said .
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the night. I happen to believe that a search
warrant will be necessary for a criminal
case "he said.
A person living in the dorms should not
use physical force to keep the room from
being searched but he should make sure his
protest has been noticed by the authorities.
He does not receive many complaints
about illegal searches he said, because the
tendency "on petty offenses is for people
to take the penalty arid forget about it."
SOCIETY HAS TAUGHT people that
the thing to do is take their lumps and not
complain, he said.
The best advice Lange said he can give
to help keep people out of a legal battle is
to be conscious consumers.
In this society it is important that "the
consumer beware," he said.
Recently, hearings conducted by
committees and panels of students and
university employees have made the news.
However, Lange said he questions the
effectiveness of such committees.
"It is my impression that people who
don't know the law are being asked to
conduct a quasi-legal proceeding," Lange
said.
"People on boards are put in a position
to make a decision about something, they
don't know anything about ."
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