davidaulloa/AmericanStories huggingface dataset:
The San Francisco call., 1906-07-03
INSURANCE LAW
IS SUPPORTED
Judge Morrow Upholds
California Statute
as Sound.
Defendant Companies
May Be Joined in
Same Action.

United States Circuit Judge Morrow
rendered a decision yesterday that will
be of interest TO policy holders intend
ing to brng suit against foreign or
home insurance companies. The matter
came up in the argument on the de-
murrer Of Andros and Hengstle in the
suits Of the Barneson- -Hibbard Com
pany VS.. The American Alliance In
surance Corporation and the New Zea-
land Insurance Company of New Zea-
land and OF the Barneson- -Hibbard
Company VS.. the London Assurance
Corporation and the Ocean Marine In
surance Company. The action was to
recover insurance on a vessel lost at
seas but the decision may be applied to
IRE insurance cases as we'll The de-
PENDANTS demUrred 70 the complaints
on the ground that a separate suit
should be brought against each COM
pany for the recovery Of each COM
panys share OF. the loss, and 1t was
contended by Mr. Hengstle yesterday
that the California statute allowing
all the companies defendant in any loss
70 be made defendants in one suit was
unconstitutional.
Nathan Frank, for the plaintiff, ar
gued that the law was founded upon
justice and common sense. and that il
did not invade the legal rights Of either
party. Mr., Frank remarked that il
was the practice Of the insurance COM
panies doing business in. this State to
have a strong lobby at Sacramento TO
oppose any legislation that might be
deemed hostile TO their interests, and
that when the law allowing the con-
sOlidatiOn Of such cases was up for
consideration the leader Of the lobby
said that he was satisfied with the
measure.
Judge Morrow. in overruling de-
murrer. said that the law in his
opinion was a wise one. and that il
did justice 10 beth parties. The mat
ter. he added, was one Of grave i'm
pOrtance TO the public at this time, and
he was fully satisfied that the law
was constitutional.
The San Francisco call., 1906-07-03

Edward spichtig. 2s7 siekels avenue;
Frank Grossman, 1922 Mission; Fred
Sixteenth and Letter; Ehlers & Golsch.
Twenty-second and Folsom; Nicholas
Radovich. Eighteenth and Vermont; c.
L. Herbrank w. r Pitt, Az Van
street; F. Bivitelt. Webster and Post;
F. ]. Davenport, sos Hayes; Richard
Bottcher, Fillmore and Fulton; Edward
Laib, Fillmore and Sacramento: Peter
BoraGm, 1876 Union; William j. Laib.
1858 Fillmore; Herbert & Dawson, 1442
and Ellis: Joseph G. Journey, Webster
and OFarrell Mary Eriksen, Franklin
and Fell; Arthur Leyden, 42S Hayes;
Dennis Lorden, Buchanan and Fulton;
Hugh ~Driscoll, Laguna and Greenwich;
Barman & Howe, Larkin and McAllis-
ter; Nicholas Nolan. Octavia and Fell;
Henry Schmidt. Webster and Fulton.
Nobman & Reddehase, .Broderick and
avenue; Fred H. Kulls, stanyan and
Fell; Paul W. Jahnke, 640 Stanyan; J.
=. Bahrs, 1907 Pacific; John Wobbes
Point Lobos avenues; John Often. 1880
Turk. e. n. Richardson, Stanyan and
Page; Meyer & Germs, Scott and Turk;
John Doelger,. Hugo and seventh ave,
nue. Carl Albert. Devisadero and
Hayes; Robert J. Jackson. Broderick
and Fulton; Hugo seitz, McAlilster and
nue. and Pine; o. BoccaneJo. 1740 Eddy;
c. Sievers. 1910 Eddy; William r.
Bartsch, Waller and fremont: John
Ehlen, Lyon and McAllister; Frank
Jones. 1913 Stevenson; Paul Fraysse,
Steiner and Union; John Fl. C. Baden,
Preside avenue and Sacramento: Fred
Won Borstel, Cole and Waller; William
Crowley, Third and Jessie; John Dona-
hue, 324S Twenty fifth; James Hayden,
32 Market; E. j. Flieger. 403 Castro;
Duncan Nichols. Montgomery and
Washington; Fischbeck & Bacon. St1
Eddy street; Frannsich & Zicovtch.
Sansome and Washington; Gustave
Hohngren, Howard; Fred Rashen,
Laguna and Ellis; Corey & Phillips.
Second and Mission; Joseph Kroeger,
Mission and Norton: Timothy T. Kelly
Mariposa and Texas: Louis Myrsch.
1875 Mission; Albert Aubert. Scott and
Oak; Griffin & Kennedy, 2610 Mission.
Owing TO the absence OF the other
two Commissioners the meeting OF the
Pension Board, at which considerable
business is 10 be transactedA was post
poned until a date to be set later.
The San Francisco call., 1906-07-03
QUEEN CITY IS SETTLING.
Insurance Concern of Sioux Falls Pay
Ing or Policy-HoIders Rapidly.

& OAKLAND. July 2.-Vice President
G. w Macarthur of the Queen City In
surance Company of Sioux Falls, s.
D., is here assisting Manager l.. S.
Frudenfeld In settling the San Fran
cisco fire losses of the corporation. es-
timated at s250.000. The Queen City
is new company, being scarcely a
year old. 1t was formed with capital
stock of 100000 and surplus of
$4,000. The company entered the Cali
fornia insurance field last Septem Der.
The assets of the corporation are said
to be about S425,000.
Like many of the other insurance
concerns the Queen City lost all of its
records in the fire, the Offices of the
company being located In the Mer-
chants Exchange building. Despite
this setback the Queen City has made
good progress in arriving at Its San
Francisco liabilities and according to
holders in the company who suffered
in the confagration have filed their
proofs of loss. The Queen City filed
the list of it's San Francisco policy
holders with the State Insurance Com
missioner and also extended the time
for Ming loss proofs Speaking of the
anairs and condition of the Queen
City Vice President Macarthur said:
came here to find out what our
company owes. That is very inn
portant matter that has occupied my
attention and now the more important
mater OF paying what we owe Is TAX
Liabilities In San Francisco we figure
70 be about quarter of million dol
lars. or this amount we have thus far
paid OF about one-quarter. Some of
The San Francisco call., 1906-07-03

our claims we, have settled dollar for
dollar and others for less. We do not
believe that we should be classed with
the ''six-bit" companies. Every settle
ment we have made with our policy
holders has been satisfactory, and ]
think that the. policy-holders with
whom we have dealt Will bear me out
in that statement.
The Queen City Company was formed
year ago and has been doing business
in Califernia t1r since September Of last
stock of 100000 and a surplus of
sS5. 900. The company was prospering
and making money until the San Fran
cisco jolt came along, and we were
hard hit for a youngster. We carry
considerable reinsurance and l believe
ht ths 9Hsen 5ow 6 CITY has will nustapes saTgys the
though II may require more coin from
the stockholders to carry the company
through its present trouble. We are
hay have no no coin DIN & to give away. but we do
mean to do the best possible thing by
our policy holders and by the company.
| can see no indication at this time that
the Queen city will discontinue doing
business in California
Manager Frudenfeld reiterated the
assertion of Vice President Macarthur
and said that the policy on which 100
cents on the dollar was paid was held
by Attorney Dorm of San Francisco,
who received full payment of loss OF
$1500.83. The temporary offices of khe
Queen City are at ACT Tenth street
Charles S. Smith of San Francisco
brought suit today against theS Eagle
Fire Insurance Company of New York
to recover $1,000 on a policy he carried
on the CTeedmore House. 1922 Larkin
street. Smith alleges that the company
has repudiated payment on the policy.
The Board of Supervisors today can
celed policies carried by the Traders
Insurance Company Of Chicago on
county buildings.
The San Francisco call., 1906-07-03
BATHING SUIT SKIRTS
TO COVER THE KNEES
Newport Women Busy Preparing
for Dance to Be Given by
Mrs. Fish.
SPECIAL DISPATCH. TO THE CALL.


NEWPORT. r. l.. July Further
details OF the arrangements for Mrs.
Stuyvesant Fish's dinner and dance a
Ia sea nymph. with which she will open
CrossWays on July A. became public to-
day. AS every guest must come In a
oathing suit, the women are all having
the most dainty affairs made. reaching
Just below their knees. the averax xe
lenSth being about twenty-seven
inches The skirts mostly are side-
Pleated The waists. which are lined
with sheep lining. will fall In bolero
style with deep girdles, with circular
collars and euffs of contrasting colors
Ihey are being fashioned in silks, mo-
hairs and poplins-
me men will doubtless wear their
bathing shirts and trunks. with mar.
maps ruffie or two added. The shoes
LOT the women will vary from the ex-
tremely French heel to the vvhtta 90,
vas bathing slipper. while the men will
wear the soft-soled pumps.
The San Francisco call., 1906-07-03

To Cure Cold In One Dav.
Take Laxative Bromo Ouinina Tahlats
Druggists refund money II Ii fails to
cure h. h-W.GroYe's sag. on each box 25c
The San Francisco call., 1906-07-03
Child FALLS TO DEATH
FROM TENEMENT ROOF
He .TumbIes Over the Coping
While Playing Blind Mans
Buff In New York.

NEW YORK, July Jacob Edel-
stein. a youth. played blind. mans buff
with his little sisters, Augusta and
Sadie, and his cousin, Lena Suchsberg,
on the roof Of a seven-story tenement
last night About the roof was a low
coping. Jacob raced about until he was
penned. in a corner. Lena, the blind
folded girl, advanced upon him. Jacob
sprang backward, giving the next in
stant shout Of terror. The girl
snatched the handkerchief from her
eyes, only 20 SEE Jacob disappearing
over the coping.
Lena grabbed one fot. Augusta and
Sadie jeined her. Jacob screamed as
he hung head downward with his back
20 the wall unable TO save himself.
The three children clung TO his feet.
Presently Jacob made A determined
enort to- recover himself But the
force he exerted tore his foot from the
chidren's grasp and with a shriil cry
he plunged TO the court below. He died
instantly.
The San Francisco call., 1906-07-03
POLICY HOLDERS
TRUSTEES MEET
Committee Is Chosen to
Formulate a Plan
Of Action.

4
The trustees of the Policy Holders
protective League held their first meet
ing yesterday and effected organization
ana also took their first step to fop-
mulate plan of campaign, the pur-
pose OF which is to get as much money
as possible for the fire insurance pol
! lcy-nolders in this city who had prop
erty In the burned district.
All the trustees were present. An
| drew Carrigan and Albert Dernham
represented the Merchants Association
Charles H Crocker and Rudolph Taus-
sig the Chamber of Commerce, James
u. Phelan and f. w. Van Sicklen the
merchants Exchange, Charles Hol-
brook and ]. ID. Grant the San Fran
cisco Board of Trade. F. w. Dohrmann
and A Sbarboro the Manufacturers and
PRODUCERS Association of California.
a. Weinstock. trustee at large, was
eiected president, f. w. Dohrmann vice
president and l.. M. King secretary. AS
soon as this was accomplished long
discussion occurred concerning the
work TO be undertaken, in which all
the trustees took part. The more the
subject was talked over the more there
appeared to be done. The necessity of
having definite policy was first taken
up. Under the Instructions of the
meeting at which the appointment of
the trustees was authorized plan must
be prepared and submitted at a meet
ing to be called soon by the trustees
The result of talk on this subject was
the appointment of a committee on
ways and means. and procedure. con-
sisting of F. w. Dohrmann, Joseph d.
Grant and Andrew Carrigan. There
are several classes into which the in
surance companies doing business in
this city and holding risks in the
burned district naturally fall. There
are solvent companies that can be
looked to for payment of 100 cents on
the dollar There are companies that
are supposed to be In bad way finan-
cially. Others have assets to large
amount and stockholders who are am
ply able to pay all liabilities Incurred
by their corporations in excess of the
amount of the assets in sight, but who
may not be inclined to pay more than
compelled to.
From this IL appeared that various
methods of procedure may be necessary
to reach the best possible results. 1t
was said after the meeting that ii was
probable a special committee would be
appointed for each insurance company,
that each might be interviewed sepa-
rately and asked to disclose its inten-
tions and degree of ability to discharge
its liabilities in full, or, falling this, to
find out how much each company may
reasonably be expected to pay to pol
icy-holders. None of the committees
to interview companies was appointed
yesterday. No action will be taken in
that direction until after the commit
tee on ways and means has reported
it's plan.
Some plan different from that sug-
gested at the Calvary Church meeting
for raising sufficient funds to carry on
the campaign may be devised. The
idea of assessing policy holders to the
extent of l per cent of the face values
of their policies met with some opposi-
tion. The trustees will hold frequent
meetings to get their business in hand
as soon as possible.
The San Francisco call., 1906-07-03

insurance in the burned district of San
Francisco. On the loss committees the
names of the six bitters" appeared
regularly with those of the dollar for
dollar" corporations. Now If the dol
lar for dollar" companies carry out
their present programme the parting
of the ways in adjustments between
the two classes of fire insurance com
panies and in all else that relates to
common action in the present insur-
ance emergency would seem to be near
at hand.
Varieus steps have been forced by
public opinion. The interests of the
insurance companies were bound to-
gether in certain matters The ad-
justment bureau was in the interest of
economy and of convenience. If it
breaks down, and the first step in that
direction may be taken today some
thing new in insurance history in the
United States is near at hand All ap-
pearance of unity of action would
probably be ended and the only CO.
herency in making settlements would
remain with the dollar for dollar
companies, which have decided finally
on plan that practically pledges them
to act by themselves and for them
selves.
No meeting of the committee of fif-
teen has been held since the dollar
The San Francisco call., 1906-07-03

(signed) LOWELL WHITE Cashier
STATE OF CALIFORNIA
City and County o Sa -
Pond and Lowell White separately duly sworn each
himself That said Pond is President White
is Cashier of the San Francisco the men,
toned and that the foregoing is
(signeD E B. POND
(Signed) LOWELL WHITE.
Subscribed sworn o I'd
(SEAL) (Signed) FRANK l. OWEN
Notary Public in and for the City County of San
Francisco, of California
The San Francisco call., 1906-07-03
GOVERNMENT DEPOSITS HERE
NOT TO EXCEED $4,000, 900
Secretary shaw VIII Place Money I'm
Hartford, Connecticut, to Meet De-
mands Of Insurance Companfcs.
hands Of Insurance Companfe

WASHINGTON, July 2-The Secre-
tary OF the Treasury is making prepar-
atoms 10 deposit large sums Of Govern
ment funds in San Francisco and Hart
ford Conn. A great amount of money
is required in the latter city to meet
the losses Of Insurance companies hav-
ing home Offices there. Secretary Shaw
expects ultimately to deposit about
Sl0,0o0.000 in the national banks of
san Francisco on the security of the
municipal bonds Of that city. The plans
Of. the Treasury Department DO not con-
template any deposits of Government
money at San Francisco beyond this
amount
The San Francisco call., 1906-07-03
Crushed to Death hr rrucI

SAN JOSE. July 2.-willian II. Nor
gan. manager Of the Morgan Rock
Company, was killed suddenly this
morning at the quarry, which lies back
Of the town. OF Mountain View A load
ed truck toppled over and fell upon
Morgan. He was crushed TO death by
the weight before he could be extri-
Gated Mr.. Morgan was about 40 years
Of age.
The San Francisco call., 1906-07-03
Noted Orientals sasI tor Ho-.

VICTORIA. July 2-The steamship
empress OF China sailed tonight for
Japan and China Among tha nassa~
gers was Baron Takaki a noted Lana
nese military surgeon credited with a
project 20 increase the height Of m
ture generations OF his people and
Chan Mai Chuan. secretary of the chi-
nese Travelling Commission. which Was
ordered to San Francisco after the
eartnauake to investigate conditions as
they affected the Chinese.
The San Francisco call., 1906-07-03
A Guaranteed Cure for P,Ies.

Itchtng, Blind Bleeding or Protrud-
Ing Piles. Your druggist will refund
money IL PAZO OINTMENT fails 10
cure you in 6 20 il days. 50c.
The daily sentinel. [volume] (Grand Junction, Colo.) 1893-current, 1906-01-08

One of those three cent revolu-
tons, which occur periodically like
measles. has broken out in Santo Do
mingo The war scare has not Gre
ated very grave excitement in this
country
Later accounts of the wreck which
occurred near Aiken, a small siding
few miles this side of DeBeque
Saturday morning, the details of
which were given exclusively by the
Sentinel Saturday night. make but
few unimportant changes in the de
tails as published in the Sentinel. As
stated the engineer on the passenger
train was the only person injured.
The tracks were cleared before six
o'clock Saturday night and traffic re-
sumed. The two colllding engines
were badly damaged and a number of
the cars were put out of commission,
making the property loss pretty heavy
for the railroad.
The daily sentinel. [volume] (Grand Junction, Colo.) 1893-current, 1906-01-08
BOYER AGAIN
REPLIES TO PRES. WHEELER

A few words in answer to the
school boards reply to my letter and
| will make my answer as brief as
possible as l do not care to use the
entire stock of printer ink of the
city. l will nit only verify my state
ments made in Il previous letter, but
| propose. by asking the school board
a few questions. to give the taxpayers
more information. Why did the
school board call in Mr.. Sanford of
the Sanford Heating and Ventilat-
ing company of Denver and have
ings of the board without advising or
notifying their regularly employed
architect or agent2 Was this action
fair treatment to myself? Did the
board even intimate to me that the,
were cooperating with Sanford in
taking an undue advantage of my.
self? l will answer this question by
saying NO. 1t was only by chance
Two weeks later, that | came to know
of these meetings. or that the board
change in the heating plans Then |
demanded of one member OF the
board that they give me an audience
Now wish to state here that this
meeting that | demanded is tha only
one / ever succeeded in getting viii,
the board after plans had been adop,.
ed; and the question of heating anc
ventilating did not come up at this
meeting. So it is plain to be seen
that l never advised with the boari,
with individual members of the board
against the small boiler.
Now the board. Judging from their
reply, would have the taxpayers be-
lieve that 1t is the duty of an archi-
tect to superintend the board as well
as the contractor. Well, l will admit
that it is sometimes necessary to do
so. l am confident that the only mis-
take | made in experimenting the
construction of the Emerson school
building is that l did not serve an
injunction on the board to prevent
them making changes in the plans.
Not long ago, and since the compile
ton of the Emerson school, a similar
squabble came up between myself
and school board in another section
of this county, and mind you, the dis
turbing element in our school board
so | have been reliably informed, was
the cause of this squabble. This
same expertC?) that l referred to
in my former letter, was put in as
superintendent. l put stop to that
sauabble by threatening to serve an
injunction and when these threats
were made the board got down to
business and did business in a bust
nesslike way.
| did issue certificates to Contrac-
tor Lumsden from time to time as
the work progressed, but l am quite
sure the board will find that the fin
al certificate will read that the build
ing is completed according to the
contract, but does not say according
to plans and specifications.
AS to my advising with the board
The daily sentinel. [volume] (Grand Junction, Colo.) 1893-current, 1906-01-08

The difficulty of keeping the child
rem properly covered at night is solv.
ed in the modern sleeping suits that
are made with boots" and full long
sleeves, so that when the restless
sleeper disarranges the cover he is
well protected from chance draughts
and the danger of colds. The soft
outing ilannels are liked for these
little suits, and these may be either
in white or colors. as one chooses;
but the whites or plain pinks or blues
are really the incest and most salts
factory in service.
The daily sentinel. [volume] (Grand Junction, Colo.) 1893-current, 1906-01-08

C. w. Thompson got in last week
one full car load of material for his
electric light plant A good part of
the poles are up. the building in en-
closed and he thinks he will have
every thing done on time. His rate
card has already been compiled anil
is so reasonable that no residence can
afford to be without lights. He puts
residence lights at 80 cents a month
with quite a reduction if a number
of lights are taken. This rate surely
makes an electric light cheaper than
kerosene. Business lights till nine
O'Clock are only 65 cents a month;
while an all night service costs only
So cents. All fixtures and lamps win
be put in at cost. This week Mr..
Thompson and his assistant Herbert
Davis, have been busy wiring the
business houses. When about 500
lamps have been installed Mr.. Thomp-
son will put in all his time getting the
machinery into position for operation
and Will do the rest of the wiring
after the plant begins running. He
hopes to start the plant the first of
next month.
The daily sentinel. [volume] (Grand Junction, Colo.) 1893-current, 1906-01-08

/ visit to state that not once. after
the contract had been signed. did the
board call upon me for advice. but it
seems they sought advice elsewhere.
will ask the board one more ques-
ton. Did you advise me when you
and the contractor would be ready
to go and locate the building on the
building site? No. The excavation
was partly done before was aware
that the site had been selected. Had
1 been with you the building would
only have been located where it now
stands over my protest. The build
The daily sentinel. [volume] (Grand Junction, Colo.) 1893-current, 1906-01-08
ENTIRELY FREE FROM DEBT.

Yesterday at the morning serv-
ice at the Presbyterian church Rev.
Weir announced that the total in
debtedness of the church for any and
all purposes was only 500 and he
suggested that the amount be rails
ed without further ado. so that the
church would start the new year
under circumstances that could hard
ly be more favorable.
1t is needless to say that members
of the church present were of the
same mind as their pastor and within
the short period of ten minutes the
$40 was raised. consequently the
Presbyterian church is entirely free
of all Indebtedness. that burden that
usually more or less heavily rests an
the great majority of churches.
While the business year of the Pres
byterian church runs from April until
April of each year Rev. Weir reports
that the last eight months of the year
that has just ended represent one of
the most prosperous and salts
factory periods in the history of the
church. During these eight months
there has been a net gain of sixty
members, which is indeed splendid
increase in the membership. The
financial affairs OF the church are
naturally in excellent condition The
various societies have increased in
strength and influence and all are in
a fiourishing condition. The member
ship has been active and progressive.
In the person of Rev. Weir the
Presbyterian church has a faithful
pastor. one who has energy and who
makes that energy worth great
deal to the church over which he has
charge as pastor. He watches every
detail of the churchs work faithful
ly and carefully and to him great
credit is due. Rev. Weir is an able
minister and in point of service
is theoldest Grand Junction pastor.
The Presbyterian is one of the
strongest churches in the city.
The daily sentinel. [volume] (Grand Junction, Colo.) 1893-current, 1906-01-08

ing was designed to be located on
high ground and not in ravine.
I mention these incidents simply
to convince the taxpayers that al
though being agent. architect and
superintendent of construction for the
board, and drawing full fee for this
service. they did not call upon me for
advice upon any matters whatsoever.
]. b. BOYER.