Los Angeles herald., 1910-02-06
WISE OWNERS
INSURE CARS
FREIGHT YARDS FIRE LESSON
TO NEGLIGENT
PRECAUTIONARY MEASURES ARE
BECOMING UNIVERSAL
Concerns Handling Automobile Risks
Growing in Number and Re-
port Increase in Vol
ume of Business

Not long ago a box car down in the
Southern Pacific freight yards caught
fire from the explosion of a brake
mans lamp and four valuable auto
mobiles were burned. Not Vestige
of the cars save the scraps and molten
parts of expensive engines was left,
and their $4,000 or $4,000 worth of
value was a total loss.
Now it lies between the owner of
the machines and the railroad com
pany who will be out this tidy little
fortune, as the cars carried no in
surance. A long wrangle, going
through the courts and eating up at
torneys' fees and court costs, Will
probably ensue, and all might have
been avoided had a little foresight
been injected into the matter.
Most every workingman viii insure
his household effects, even If they are
valued at only q few hundred dollars'
vet it is astounding that some motor
lists will not protect automoplle prop
erty worth $4,000 or more.
But this class of careless motorists
is RAPIDLY decreasing, judging from
the immense volume of business trans
acted now in automobile insurance.
This protection does not rest solely
against devastating flames. Ihere are
many forms of automobile insurance,
all of which have their worth.
Many Forms of Insurance
There is insurance against explo-
sions. collisions, thefts, liability Tor
personal injuries or injuries and death
TO the public, accidental damage TO
property of motorist or public and
many other forms.
one of the biggest concerns of the
kind in the city is the Hartford FIRE
Insurance company of Hartford, Conn.,
which offers insurance against loss Dy
fire theft or collision, covering "a car
anywhere in the United States ana
Canada. -,....,..
The Hartford is this year beginning
it's second century of corporate exist
ence having been established IN l6lo.
Dlring the last hundred years TINS
connnanv has developed wonderful
underwriting organization, covering
practically every hamlet in TINS broad
land. - 4,dood
IT would be a remote spot, indeed
that would be out OF touch win lts
influence. Such is ITS scope tIat . aii
automobilist in trouble can get llnfne-
diate attention at the end of any tele-
graph wire.
THE policy of this company is brief
and intelligible to the degree that he
who runs may read. 1t is rugged,
healthy contract that will need no
Iong-drawn-out post-mortem to deter
mine its meaning.
The popularity of the Hartford is
shown by it's enormous premium IN
come of over $1,000,000 a month. The
assets Of this company are now we'll
over $22, 900, which secures its pol
lev against any conceivable disaster
With the possibility of extraordinary
losses ever present in the rapidly
growing tendency to house cars in
great numbers under one roof, large
assets are of vital Importance in the
conduct of this branch of the insur-
ance business.
This is a consideration that cannot
be safely ignored by the individual,
for the final value of his policy must
always be measured by the ability of
his insuring company to assimilate LA
bilities bound to accrue in large gar
age centers. With the ever-present
uncomfortable and practically un-
known drift of liabilities toward every
great garage fire, the insurance of au-
tomobiles may be truly said to be a
business belonging only to the strong
Though a comparatively new branch
of insurance, the number of policies
issued indicates that prudent automo-
bile owners regard this form of pro-
lection as being as much a necessity
as any other part of their equipment