, 1880-09-10

+, :, rtfiue, t7c,,tA Ia mid rirhffu1tv and
h eS p"l.r3 10 * s" HAN, FL orcnt
"x..bnuE of o.nHrnnst., wns Ia lo thf,rouxhlv
M atnroH 1Is ti,nsI.l,ra ,ylSn,, mn,ic thnir
nwn' n,,t a,inutnd r. teei,r ,rnciitat nvrry.Inv
woTk, , siiea'i 10 fsl)owcd y WI, enerey tcai:
tt"mrrttv' mn, n uni a"rnr,jinv n hunyvirIrr.
ii"x inv @ w..r. r. $-sT,' M, M, law Miami I'm
ki,nwiM,po linn nhi,L,,r,i IN t,,"tr i,rnrttral
duties f,ii1nctl, The main obicct OF iii such
e'The nti.jrpss noxt r,frerc, IN Tho ,,,s,cui-
ties III In rnrUuntcrcll nuti.:the nrnbinnis 10 |
in a,,iywt, ID cnMsitt,nI tha .nr..nt tnnir nf
Average wns ~ ensy insf In itsaif, tit They
girnt,Iic urouorti0ns, rs ,.t,csy,niI 1"s and nj
fatGonicss rs the Wins md canrlcss hf de- Jc.
prnvri humanity itscjf. 'Fho H,urnl lInzartl,
r cnl,rrass,ncrt ~ @ % ur in,ato Wickstrss. s con.
fro,,tct, them Vii, thu tnrch II ti,p imcui,-
tltury ind rendered tll.tost tn,possiblc that
whiefl 0thorwlsu might 0o ,nnslt, fts certain Ms
m tr1llng % lie p practical WORKINGS af iifeInst,r-
a,,ct. hit tllo lainentnbiu frct existed, altd
would exist until men becatno better.
oyr.,tAtr ,r,tx LOSSES, Il
j.. ~. .'..a., s... =. ~. ,.,s,., -l
n is op'G,n; wtEe ne 10 t|e arat h'MzaTh
llclM!s!'1H a,lu nm"mcnnu 1,;aa nMEl.!' o"t ~
tInpc, ,'i.,.. n!u x; Gw ~ osc.,rn;S
lheJ MiIbns rnllilacitJ cApGct W nsevt.nalfi
ic MsSfNsG s.stlitGI ~ eHslu iiu' LIZ u.o.Mt ~.
haxaft lat construct r. tA0les M e., or asGsago Ms
s..t Ic,.mu,u ~ '""so III "so ~ tlAo ''H"o"'""eo
co9'laiil!!es; lr;,il!t, ,.o ,,,,, A.. ,o.,, ,,,x.r,
anJ eMinl In ,nn.nit,,,lr. IT, intlead not iho
nrrnf nafcrini s,,,lrre OF tbnt hnznrtl itself.
n III nr,fic nn,,r"n Of ioss. TEe 9r"af nractlcni
Ita,m,itv mf n. un,i"rwr,;nr u, ,cd hnr,, AZ.
nrlencSd in lin e,,lrayors to maintain n
!,ronrr rnn.Io,, i,ptw~a,, ins,,rnt,rc mi whine
rsnt,r,letI as M iitiisncns;.bta @ siiforuar.i
nrntr,si fraI,t, nnt1 arso, s'''"''o ''9e"N
Fe st . str!mxc11t 'I1t IL Conditions In our pol
c1,a llnw" jut1, nI,,'tc1i f,r iE.. sne ni,rs,osa
al, tIwa. . t,,srwnsnrw tnttr,.st an thn ,wst ri
to nwnpr IT In cnr,. nt,d nr,.snrvatio', nf thn
nrnt,erty inslIruu. wifi tiie bcttcr Class Of
ts,tSn,,irs It l,Is to,l,i tile toulo OF utiIeial
v"arsl t ,,itt iifttn re,,atms T., l1e s.d lint il
i,,w nr s;nrtiinr WI In the fnre If Mi ;l,at
aS luz hse, sait ,id writts t o., Till Till s~hlsct 80
Ereat has Gren the coinretitioi! il Ii,sii'ess,
iood,m,"s 1 If III mmtimited @ ins,lSMnre iave @ bern @
nnc,G wi,],. ttMI,i ~ inv wn,,fmilly thIs
oii lnutI,nark nl safety i,as Iren removed
t,sst twe,,ty years luors Convincing iIesti-
m"uv II In rn,ttlni,, IL tlurn ie,,ii,,ntinia
in tiie wnv Of tha Insured. we hnys III, reason
t" co!piaI, il tilcy rstMrh 10 ,is M ai,untinnt
w",,lI IL j1uye bcen for our rcputat!on md
IL" t,rai,,a ~ nnS con,nouSna If ra hoi rnr.
r"ctrl 1 ''' - o"' ~"'"'"''~" ~ ~
o,or. 4s T o hs OF ss ,s
neio.S ~ G stI assIMes sue t,o's ,,. H. ~
to G.e..ss i',.s " III, ~ ,s. tW. ,
9,,r.. G'v vn! Nun ,n ..sra' i ~
eoycr sriu the ,ato noss6.litr % Of ioss To- % nav ho
u . ~ - = .n- s ~ iGenS H.. tt,.o i
nne III minus D. M'oimea a,ti, s'nss te "Ht~ n.y.
e"1ss p"muM nIa, itsav ~ t,,n ,t,, ~ ,S t.
m.GH;; tI R"ss"iSM ~ ~ e',i, ,1I ~ .
%ntinrss. NJ sof,,'nr siocs n cnlmnnt ~ iii lila
MEASURE of tic nyGr-illsurn,,co ho 1ns sue
| cyrtietl in procuring, t}Sau lie seeks for spt-
cial Legislation compelling Tho full payment
Of sllcIl oyel-insnrai,cu; al,d tho lawmakers.
their acts, Will singular paradox eMtitie tho
/ ,icY Inv "Ali Act to Prevent Oyor-lns,lr-
ance." They seek to prevent the evil l,y pro-
tecting 1t, to discourage Il By fostering II, to
oifer 1t Eliarranty, to dishonesty, d brlbo
to arsoIl. aud Indemnity 10 perjury.
| Thny stimulate anu dcvelup tho evils they
ostensibjy assu,ne to prevent, nnd throw
% iic 10 'o ,,t,t and 1i nevor have ennilctl such
iaws. There Is not now md never Inns been
my reasonable cause for tlIeIr pnnct1lont-
cosu to disappointed claimants, who, failing
| 10 su6stamtintu thcir cIutMs If, tio couris'
lave sought special Legislation to enforce re-
coysry Ut The j,afds Of conscientious aud w.
| Willing Judges. Tic undermining or public
| morals by these lnwB may be slow, tic III.
crcnsl. IN losses mt nnrIWIng Mt iirst, but TIC
ctfcrt viii fle most porniclo,ts ,,1,I inevitable,
To MI jniuiijgsnt pubiic sentiment We ,t,ust
! iook for repcai of thuso nj well NJ nti 0bnOx-
intcmsts rs bsst ws ,t,ay by fntliylIlni Of
cnunbIneh uctIpL looking more confidently to
thc former for lint snfrfy wllIci, wa feel wa
ral, aud ouKit 10 colmu,nnd,
r,,,. =. ,r',,,,. .v1,,,., ,,,. ~ s-, ,.r,or,,.
nn s1 sAlus. 49,, ,so'. 80 VI ~
,n, ~. 't ia,w X " T tnMnnt ~ ,,,n. ro,
concurrent policies, tic general tenor pi
judicial interpretation, whittier i!i lilo light
nl sSperie'fce We ate @ aitlnaE Mhter present u,
iunuea ~ Hua!nss. a1!t utncl hunleI.a y