The daily gazette., 1883-02-27
ABOUT lNsURANcE.

Mr., Wm. noan Makes Pertinent In
qniries in Relation 90 the Insurance
Commissioners Report.
To THE EDITOR or THE GAzRrrR -
Having read Ia your paper the report of our
State Insurance Commissioner, am some
what at a loss TO understand the position in
which 1t places Inc In regard to three life IN.
surance policieswhich hold--two ina Eng,
lishacompaDy and one in Boston company,
none Of which hare agencies in our State.
Those ia the English companies have had
alpce 1852, and In the Boston company since
1862. IL understand the report of the
commissioner rightly, it would make nv
policies entirely void. Can I.eRisla-
tnre enact any law that will make
void q contract9 Can the Legisla-
ture pass law that shall compel me
To- insure my property against loss by
IRE only dn such companies al are chartered
by our State Legislature, or rs shall have
paid State licensei leo, they can pass a
law that can regulate Just the rates which
Iehall be obliged 70 pay for the service
which am to get About the year 1858
there were but few insurance companies in
our State, and as had TO have large
amounts Of insurance during the war, put
the mattcr into the hands of arst-class
inspranss and &C., agency in New York
time attended TO my business In the
insurance line. But few of the companies
In which am insured have agepeies IN Del
aware. Am to be obliged to let my poll
cies expire and take out new ones through
agents IN Delaware of whom know moth
Ing Must give up doing a busi-
ness with men whom / have known and
done business with for 20 years simply TO
put money Into the pockets of men who
have established themselves In the In
surance business Ia Delawaree II
have any losses / could not collect
them In Delaware for the reason that they
have no agency here; but they have agencies
In New York, and II is there that / have
heretofore gone to collect my losses. l am
Delawarean clear through from back TO
front and top to bottom, but to say that /
shall get my insurance done only in Della
ware or buy what may want there, is not
liberal or In accordance with my views of
American Democracy. Just as well might
the Legislature of New York compel it's
merchants to buy only from New York com
mission houses, although they might prefer
70 come TO my mill and buy my products
at much cheaper rate than they
could through the regular legal
lied way. We have laws that require
persons wanting TO get married to take out
incense ana give bond that the parties
shall not become charge TO the State.
Docs It stop citizens of Delaware. going to
Pennsylvania and getting marriedl Are
these marriages declared illegal by our
courts : We also have laws that regulate the
manufacture and sale offertilizers, enacted to
protect farmers who are not chemists from
fraud by the purchase of worthless articles.
But to say that any farmer who chooses to
take the risk Of going to Philadelphia, Balti-
more or New York to buy what he thinks
. better aud cheaper article shall not do 30
is, think, interfering with the rights Of the
individual, which from my view of the mat
ter no Legislature has the right to do. The
report says that some manufacturers who
claim 10 be respectable are having
their insurance done out Of the State.
I suppose I am one who Is among the
number who are having their insurance
done out of the STATE, and have been applied
to by several Delaware insurance agents for
my business. If the Insurance companies
received his Information from that source
and this Is the course that Is to make me
change my method of getting my insurance
done, can only say, so far as / am con-
cerned, you are running in shoal water and
mad better tack quickly or you will be on the
breakers. Respectfully, WIN. DEAN.