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Show News of the Insurance World i Education on Insurance Questions. In his recent Chicago address on "Insurance "In-surance Education" Commissioner Done gavo it as his opinion that the matter of educating the public had been approached ap-proached "from tho wrong angle." So far as lio knew, thore had been no concerted con-certed attempt to popularize the subject. It had been treated from tho actuarial and the technical sldo and he believed It was now time to approach the subject sub-ject from tho. popular side. For example, ex-ample, ho said: Thero is the justification for insurance; insur-ance; Its essentially co-operative character; tho fundamental fact that practically nil insurance Is In the last analysis mutual In character. Thero Is' also the fact that Instead of tho policyholders and the company com-pany being at war, tho policyholder.! aro Indeed tho company and the company com-pany means tho policyholders. Then the fundamental principle that losses make ratea, policyholders make losses, loss-es, and therefore Wioy ro tho only ones who can reduce-rates. Impress tho fact that burdens added to tho company through excessive expenses, undue taxation, etc., aro really burdens bur-dens added to tho Insuring public; I hat there Is no such thing essentially essen-tially as profit In tho Insurance business, busi-ness, ns tho word is generally understood, un-derstood, but that It is merely a system sys-tem of collection and distribution, under proper safeguards of organization organiza-tion and legislation; that the interests inter-ests of ono aro tho interests of all: tho Injury of one, tho injury of all. In an editorial review of Air. Donc's led ure, the Insuranco Field In its Issue of February 27, said:. Tho idea is clearly formulated and Jlr. Dono discusses It in detail. Such a plan, he argues, should bo prepared so simply that the -teachor of the, eighth gj-ado oE tho high school or the business college, though entirely en-tirely lacking Jn technical Insuranco education, can lake the work up with the 3tudent and gi-t at a proper understanding un-derstanding of fundamentals. Ho points out" this lris so far been attempted at-tempted only in tho text books by eomo of tho large llfo insurance companies com-panies and distributed to their agents, llore the right Idea has been caught and followed. "What Is needed now is general work of a similar character properly simplified and amplified for universal use. It is a matter partly of text book and partly of teaching, tho ono dependent upon tho other. 3WV. JDone- has been a school teacher, an Insuranco man and a supervising official, "What ho proposes, therefore. there-fore. Is based on practical knowledge. It upplles 1o all Insurance and the various bodies with educational committees com-mittees might well get togother and glvo to Mr. Donc's Idea a thorough consideration. Arson Verdicts AJflruiod. The Illinois supremo court has sustained sus-tained tho lower court in tho case of Edward Ed-ward Covltz and Joseph Clark, convicted con-victed of burning to defraud, and sentenced sen-tenced to 'tho penitentiary for an Indo-termlnato Indo-termlnato sentence of from ono to ton years. Tho same court has also upheld tho appellate court affirming the doclslon of tho Peoria court sentencing Samuel F. Darr of Qulncy and Harvey A. Six of Springfield to throe yearn In tho ponttcn-tiary ponttcn-tiary for the burning of tho Aldlno hotel In Poorln. Tho men wcro said to havo been at tho head of a well-organized gang of i firebugs with money and Influence at the back of them. They mado a hard fight to keep out of prison. Tho Illinois fire marshal and the companies com-panies interested worked up tho cases and prosecuted thorn vigorously. Automohile Claim Contested. Insuranco men havo been watching with especial Interest tho caso at Enid, Okla., In which judgment for 53000 was secured against the Palatine for tho destruction de-struction by firo of an automobile owned by Roger Pcard. The company resisted payment on the ground that the application appli-cation for Insurance and tho .statement mado to the company after the car burned contained false statements. Tho case will be appealed. Tn tho application tho car was represented to have been bought from a dealer as a 1012 model for 53S7G, whereas as a matter of fact the car was a HHl model sold second hand for $2500, of which only ?00 was paid In cash, tho balance being secured by twenty twen-ty notes of which only five had been paid. It wan also shown that the car had been used for II very contrary to statements state-ments mado by tho owner. Underwriters' Under-writers' Report. Widow Gets Full Amount. The United States supreme court last week rendered an opinion upholding tho right or a widow and dependent children to tho full amount of a judgment obtained ob-tained under iho Tederal emplovcrs' liability lia-bility act on tho death of the fathor to the exclusion of all other relatives. "When the widow of Howard J-J. Taylor, who wan accidentally killed bv a train on t'.io Kflo railroad, secured a judgment as administratrix for 5R000. the father-in-law sued for hulf under the New York state law governing dcsi'enl. tie got a judgment In hla favor from the court of appeals, but this has now been ro-vorsed ro-vorsed by the court of last resort. Uivusual Suit for Dainagca. An unusual suit for damages has been filed In the district court ut Waco, Tex., against tho Amicable Llfo Insuranco company by Dr. G- B. U'oscuc, who seoks to recover $(50,000 damages for alleged injury through tho action 'of the company com-pany In discharging his medical director. rho physician bases his suit upon alleged letters sent to stockholders pointing out that, whilo Dr. Foscuc was an accomplished accom-plished physician, ho was not capablo us u medical director and that tho company had suffered loss through the acceptance of medically undcsirablo risks. Two RomarkaMo Pictures. In a largo new circular prepared bv one of the Connecticut accident and liability companies advertising its various auto--mobile policies, two remarkablo photographs photo-graphs aro used showing destruction of cars by tornado and flood. The company com-pany n policies cover loss of use bv fire, lightning, explosion, cyclouo. tornado, water wa-ter damuge. collapse of buildings and transportation perils, thoft. collision, personal per-sonal Injury and property damage. Insurance Notes. Tho next regular meeting of tho Utah Association of ,UIfe Underwriters will bo hold at noon Saturday. March 2.1, pro-ceded pro-ceded .by the rogular luncheon. Four hundred and fifty-six million dollars dol-lars represents tho amount of policy loans and promlum notes outstanding to policyholders policy-holders In nil tho logal reserve companies of tho United States at tho close of mil. Tho OBremon-iramhurg Fire company of Germany has been granted a license by tho state Insurance department to do a reinsurance In Utah. C. C. Fabian of this city Is the process attorney. Volney ft. Anderson, who died In this city last -vvcclc after a brief illness, although al-though young in years, wan ivoll-inforincd on all Insurance matters, especially casualty cas-ualty and liability linos. The Rio Grande PIro Insurance company com-pany of San Antonio. Tex., last vcek retired from business entirely, and has reinsured re-insured nil of its Utah rislcn. JD. JT. Police, who represented tho company in Utah, left for San ITranclsco yesterday to negotiate for another company. George "W Davy, formerly of Denver, is now located in Salt Lako representing the Honfe Llfo of New York in tho capacity ca-pacity of general ngont. ITo Is working up quite an ngency force and Is anxious to secure- tho services of a few more cood life Insurance solicitors. li J. Itoot. special agent in eastern Oregon and Washington and all of Utah and Montana for tho American Fire of Newark, has transferred his headquarters from "Walla Walla to Spokane. Practically all of tho life, fire, casualty and miscellaneous insurance companies doing business in the state have' filed their annual statements with tho Insuranco Insur-anco department, Commissioner Done expects to begin their "publication, as required re-quired by law, about the mlddlo of aiay. Thore are upward of 200 insuranco companies com-panies doing business In Utah. 120 of which are firo companies and forty-two life companies. Samuel B. Love, manager of the Mutual Mu-tual Life of New York at Richmond, Vn., recently delivered a lecturo bel'oro the Women's club of Ashland on "Life Insuranco as Related to Women." His objoct was to more thoroughly educate wtvoa ns to what life insuranco really means to them. President KIpp of tho llfo men's association asso-ciation has received a letter from TTcbor .T. Grant, In which the writer expressed his appreciation of tho pleasure afforded him at being present at tho ninth annual an-nual banquet on Fobruary J!S. Mr. Grant also commented upon the absence of any smoking in tho banquet hall, which lie said was' to -bo highly commendod. Tho New Orleans Life Men's association associa-tion has passed a resolution whereby any general agent or manager, at tho end of the month, who omployed part-time men would be expelled from tho society. So far as la known, this la tho moat drastic dras-tic action taken by nny local body with regard to this phase or field activity. W. IT. Dale, who has charge of tho branch office of the Guardian. Casualty in Los Angeles, is in tho city on a brief business violt. Ho reports the outlook 1 for insuranco this year on tho coast as, extremely promising, Judging by tho way business started the beginning of tho year. Tho lightning losses in Illinois for 1013 (approximately Sl.000,000), wero so excessively ex-cessively largo that the state firo marshal mar-shal Is now engaged In getting up qulto an extensive bulletin on the character of these losses and tho protection afforded af-forded by lightning rods. Tho annual Automobilo number of the Insurance Field will Issue from the press about the middle of the present month. The aim and purpose of tho publishers aro to give the full news covering all automobile lines from an insuranco standpoint from all parts of tho country, and will Includo automobiles and motorcycles motor-cycles reported stolon iu 1913: number killed and lnjurod by tho same machines; number of garage fires and automobile fires on streets, |
