The San Francisco call., 1906-07-01

selves without exceeding the limits
that may have been. ordained for them
by their officials
I As a matter OF interest the froposi-
tions that have been suggested. for the
consideration of the trustees of the
Policy Holders Protective League are
here. summarized; and they give good
general idea of the scope OF what work
may be undertaken in whole or in part.
These proposition In brief are as fol.
lows: 49, -.
J. PRINTING OF THE LISTS.
That fund shall be" raised, to be ex-
pended by the trustees, TO print in large
newspapers in all :partK OF the United
states, frpn Information to be derived
from the state Insurance Commissioners.
, the San Francisco Chamber of Com
merce or other reliable source, a list
giving the names of such: eompanies
as may be prompt and diltgent in ad-
+. justing and paying In full their actual
losses IN the San Francisco FIRE. and
also such companies as may fail to
do So -.
That the trustees shall, with the as
sistance Of legal counsel and practical
/ Insurance men,. prepare and submit
to- the next session. of the California
/ Legislature q bill which shall provide
! q standard form OF policy that must
. be adopted by all Are insurance com
| panies doing business in California,
I which form shall be fair 10 both parties
I to the contract and protect the Insured
as well as the insurance company"
[ That the trustees shall be empowered
/ TO do such things as may seem te them
I to b." wise and expedient in order to
! protect the interests of the policy
I holders, Including, IL necessary. the. em-
! ploynaent of pafd offieiaIS, experts and
/ attorneys. 10 conduct such legal mat
ters as may be necessary TO be carried
| on.
=. That membership in the league shall
be: open to all FIRE insurance policy
/ holders who were. carrying IRE insur-
ance at the time of the great fire in
+ San Francisco or may: hereafter carry
fire insurance, whether member of
the commercial bodies or not, and cor
perations or partnerships are declared
; TO be persons within the meaning of
/ this
That reasonable time for payment of
claims be arranged. but that no reduc
I tibns from adjusted claims shall be
permitted by solvent companies whose
stockholders can be held Responsible
for the obligations of the companies
/ ia which they: are interested.
Il :: That no -eompfoizlise@ can be advised
I or tolerated. except when Companies
/ give. satisfactory proof that they, have
mand- to discharge. their liabilities in
i full.
AID FOR FAIR COMPANIES.
/ That efforts shall be made to indnce
/ all solvent and fair dealing FIRE insur-
ance companies to do business in Cali
fornia. is:~
That all legislation. on fire. insurance
shall be closely watched so that only
/ insurance: laws and ordinances shall be
/ passed that benefit q community with
& out hampering or cinehing insurance
/ companies. =.
4 That all forms of policies shall be
carefully serutinized so that all unfair
I or uncertain conditions shall be elm
lnated: and that the provisions that
1 prevail shall. be made perfectly clear
to all policy-holders; that they may UNI
4 deretand and live UP TO their pblEga-
tions and can depend upon getting their
! insurance money IN. case OF loss.
That the Poliey-hplders' Protective
/ League shall Cooperate with other as
sociatfens to perfect protection against
I fire and TO secure reliable insurance
against loss IS.
\ These are the preliminary consider
1 ations that have been submitted to the
1 trustees OF the league. other matters
i may be included fn: the recommends
! tions that the trustees will be prepared
/ to submit to the policy -holdere at the
\ next general meeting to be called.
1 After the plan has been adopted by the
general body of policy holders, the
business Will be carried on by the
trustees, with provisions for reports
] af stated Intervals.