St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1895-03-01

| ~ L. otf, oeluS d SUBSTITUTE Tor OZ-
nuns bill to amend the statutes rel
alive to entering judgment.
HI. F. 80, being the bill of Representa-
tive Schurmeier proposing an amend
ment to the constitution to require
persons to be citizens before they may
vote or hold Office.
INSURANCE BILLS.
Senator Wyman occupied the chair
| while the senate was in committee of
the whole. There was a running de-
bate upon the bill of Senator Barr
to provide for an investigation of
fires, and making it the duty of state,
city and village officers to make i'm
vestigation. The bill was indefinitely
postponed.
The bill of Senator Spencer being
| 5. F. lbs, and relating to insurance,
stirred up a prolonged debate.
Senator Spencer spoke at some
length in favor of the bill, claiming
that it is just that the full amount
of the policy should be paid in case
of a total loss of property, and in
case of a partial destruction the
amount of loss should be paid, pro-
vided the face of the policy is not
| exceeded
|
! against the bill. and argued the posi-
BILE effect as being Instantaneous to
| the insured
| Senator Keller made a coupIe of
Characteristic speeches in support of
| the bill, and cited an insurance of a
woman in his country who had a
| beautiful home, surrounded by trees,
| and paid $500 insurance upon it for
| hfteen years, and after it was burned
down was scared into taking $500, as
| the adjuster said that while it was
beautiful place it could be rebuilt
| for 500. He wanted to make in
surance companies pay the full amount
| of the policy. He thought that if it
was good law for Ohio and Wisconsin
| this state ought to copy after them
and get a slice of good pie.
President Day said if he had the
eloquence of the senator from Stearns
he would like to join with him in
| condemning thei monopoiistic insur-
ance companies. He spoke of the arts
used by insurance agents to secure
insurance, and then, when there is a
| loss, the
SINISTER ADJUSTER
beats down the person insured. He
| thought the time had come to make
| insurance companies pay the amount
| of insurance.
The senate took a recess until after
noon, when Senator Young was rec
ognized and proceeded to discuss the
bill. AS an unprecedented citizen he
| took the position that the passage of
| the bill was not warranted. He spoke
| in very forcible manner at some
| length in opposition to the bill.
Senator Wyman regretted to find a
| disposition to pass this bill He had
opposed similar one four years ago.
| This was to his mind a law to meet
special cases, and would in effect mean
that honest insurers should pay the
| loss of the dishonest persons, because
| 1t would mean an increase in the pre-
| miums.
Senator Keller interrupted to ask if
| 1t was right to beat an old woman
| down after she had paid premiums for
| fifteen years. Senator Wyman an
! swered that he would support bill if
introduced by Senator Keller, to re-
| fund the premium, proportional to the
loss in certain cases, and then contin-
ued his argument against the bill I'M
! der consideration
Senator Howard claimed the bill to
be in the interest of the common peo-
1 pie and is designed to prevent frauds.
Ii 1t passed, the insurance companies
would be more careful not to over in
sure property. 1t is bill that will re-
| qu1re insurance companies to do some
thing to protect their own interests.
Senator Thompson said that nothing
had been presented to show that the
| law had not been effective in other
a foI h.
ing value upon buildings before thew
are burned. He thought this bill in
the interest of the people at large and
would require insurance companies to
have honest agents.
| Senator Morgan said that 1t seemed
to him that the bill was designed to
compel the carrying out of honest con-
tracts. When the insured has honestly
carried out his part of the agreement
and paid the premiums, the company
should be compelled to carry out It's
part of the contract after having been
PAID for the insurance, and in the abb
sence of proof of fraud.
senator Sheehan said that his bill,
which was the next one on general or
GERS, was similar to the Spencer hill
out did not have some of the features
opposed by some of the senators. He
was IN favor of both bills. His bill
makes the face of the policy prima
Iacle evidence of the loss, while the
Spencer bill makes it absolute proof
of the loss.
Senator Knatvold said the bill was
not measure asked by the farmers Of
his county.
senator Stebbins said that after hear
ing all the argument, he was convinced
| that the opposition was theoretical
and that it should be passed.
Inc final result of the discussion was
10 order the bill to be recommended to
pass.
senator McHales bill to amend the
law SO as to require towns to keen
mall routes on country roads open in
winter by clearing them of snow
oritts, was recommended to pass.
CULKIN's WARNING.
Inc bill to create a commission to
establish fourth hospital for the
insane was opposed by Senator Gull
kin because he thought it might be
built near one of the large cities and
would be an imposition upon the coun-
try. He said the capitol and univer-
s1ty are enough for the Twin Cities.
and wanted the asylum given to the
country. He wanted the cost of the
| site limited to $4,000 and the building
located fifty miles from the cities.
He wanted it located in Wright county
| where land is cheap.
| Senator Stevens said as far as his
county is concerned he was willing
that it should not be located within
the limits Of Ramsey county. He
thought 1t should be located some
place near the source of supply of the
| Epatients.
Senator Morgan said that it was not
desired to locate the building In either
Hennepin or Ramsey counties, but
some place near the two cities from
whence the insane people would be