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Show I CARELESS PEOPLE ARE i THE ONES WHO PAY Determining the coBt or Insurance technically " cdllcd ,Tate making-Is making-Is a subject not sufllclcntly understood under-stood by tho public. Rates on various classes or property pro-perty aro based' on tho law of averages aver-ages resulting from the obvrvatlo.-. of thousands of similar tiro losses. Specially trained experts (not Insurance In-surance companies), after years of, study and c-perlencc, are called upon up-on for this service and In practically evory Instance more effort is expends ed by these experts In giving the Insuring In-suring public tho facta upon which their conclusions are based than in communicating them to the companies compan-ies Involved. Every rating bureau has a forco or . Inspectors and engineers who visit I I industrial and ' commercial plants, free of cost, and give expert advice on fire prevention and suggest Improvements Im-provements it posslblo by which tho Insured can lower his rates If he wishes. Practically every element of cost In tire insurance Is subject to modification by the public, and It Is really the people and not tho Insurance Insur-ance companies who fix Insurance rates. Insurance companies do not start or cause flrea. They are by no moans responsible ror fire waste, the largo percentage of which arises out of careless hablU everywhere prevalent. preval-ent. People who disregard tho simple rules of fire prevention are called upon to pay .(or tholr Indulgence In habits of carelessness. The Insurance companies maintain tho rating h." reams to educate thn public In regard to fire hazards and to make equltablo rates. - , . |