The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1899-12-10
TO PORESTALL ACTION
PANY AGAINST INSURANCE
COMMISSIONER
ITS LICENSE WAS IN DANGER
Asks the Court to Restrain the De-
partment From Revolving It's Lii
cense Trouble Because the Ma
tiOnaI Protective Society, of Bay
City, Mich, VIII Not Pay Ger
tain Small Claim Against 1t.

tam small Against
Insurance Commissioner OShaughnes-
sy has been served with an order by the
Hennepin district court to appear next
Saturday and show cause why he should
not be restrained from revoking the IL
cense Of the National Protective Society
of Bay City, Mich, which has an Office
in Minneapolis. Back of the summons are
some facts which will quite likely result
in the revocation Of the companyS IL
cense to do business in this state.
Mr. OShaughnessy has been trying to
have the company pay a claim, and some
correspondence has ensued between the
company. the business department and
the young man who holds the policy. The
company has assumed somewhat an
tagonistic attitude towards the state de-
partment, 1t is alleged, AMI anticipates
the insurance commissioners action by
appealing to the courts to keep him, as 1t
is claimed, from properly doing his duty
as prescribed by law. The policy at is
sue is that held by c. r. Montgomery, a
st. Paul man, who, the insurance COM
missioner thinks. has furnished sufficient
proof Of the merits of the sick claim
through statements Oh q ndlI dozen rep
utable persons. He was taken sick De-
cember, 1897 and was treated by DIR.
NSenkler, of this city, who pronounced his
ailment bronchial trouble and rheuma-
tiSm. He was unable to attend to his
duties from December until May. During
that time he had the services of several
doctors. His policy covered bronchitis
and whooping cough, the latter of which
he contracted during his illness. But
hon ti-TT1 oh l,a aIc
fering, was not included in the policy
The company refused to pay the amount
OF his claim, on the ground, 1t seems
that rheumatism was not included, but
the most serious of his ailments were
covered in his risk.
The young man who holds the policy
has been in the employ of the Union
Stock Yards company, and among other
aftldaVits which he presented to the in
surance company was one from Gen.
Mark D. Flower, president of the compa-
ny. He states that the claimant first
contracted what seemed to be a bad cold,
but later developed into bronchial trouble.
H B. Carroll, superintendent of the Tn
Ion Stock Yards company, also testffies
to the same facts.
The doctors and nurses certify to the
same end, and their testimonies are also
attached to the papers which have been
filed with Insurance Commissioner
O'Shaughnessy.
Mr.. O'Shaughnessy stated yesterday
that If the company was not willing TO
pay a claim that was proven as conclu-
sively as this one, on the same basis he
don't know what sick benefit. claims the
company would be willing to pay. He
said:
This is only small claim of some
thing like $135, and as a result of some
correspondence on the subject and visit
from its attorney, they gained the i'm
preston that their license was to be re-
voked and have applied to the court for
an order, restraining me from canceling
the license issued by this department.
The real object Of this office is to pro-
tect policy holders in companies of this
class especially. What recourse has a
claimant in matter involving as small
an amount as this? It lis not large enough
to take into the courts, and if the COM
pany refuses to pay the claim, there is
nothing left for the policy holder This
claim is backed up by the statements Of
reliable people, as well as the physicians
certificate. This department is for the
protection of policy holders, and will see
that the law is enforced, and no Injustice
is done
The financial statement filed in the office
of the insurance commissioner gives g.
II. Randall, of Minneapolis, as its agent.