Ladysmith news-budget. [volume] (Ladysmith, Rusk County, Wis.) 1907-1927, 1913-08-22

cords of the insurer together with cash
or the insurers check for the unearned
by the insured, and such cancellation
shall be without prejudice to any
claim originating prior thereto.
~ An optional standard provision
indemnity to a sum less than that
stated in the policy as follows:
CID If the insured shall carry with
another company, corporation, assoc1a-
ton or society other insurance cover
Ing the same loss without giving writ
ten notice to the insurer, then in that
case the insurer shall be liable only
for such portion Of the indemnity
promised as the said indemnity bears
to the total amount of like indemnity
in all policies covering such loss, and
for the return of such part of the pre-
MUM paid as shall exceed the pro rata
for the indemnity thus determined.
CD An optional standard provision
relative to deduction of premium upon
settlement Of claim as follows:
(18) Upon the payment Of claim
hereunder any premium then due and
unpaid or covered by any note or writ
ten order may be deducted therefrom
Cd An optional standard provision
relative to other insurance by the same
insurer which shall be in such one of
the following forms as may be appro-
pirate to the indemnities provided, and
in the blank spaces of which the in
of indemnity as are specihed by the
insurers classification Of risks, filed
as required by this act.
(A):-G9) If a like policy or pol
icies, previously issued by the insurer
to the insured be in force concurrently
herewith, making the aggregate in
demnity in excess of S.........., the
excess insurance shall be void and all
premiums paid for such excess shall be
returned to the insured
B:-(19) If a like policy or policies,
previously issued by the insurer to the
insured be in force concurrently here
with making the aggregate indemnity
for loss Of time on account Of disabil-
ity in excess of S.. weekly, the
excess insurance shall be void and all
premiums paid for such excess shall
be returned to the insured.
(C):-(19) If a like policy or policies,
insured be in force concurrently here
with, making the aggregate indemnity
for loss other than that of time on
account Of disability in excess of
$......, or the aggregate indemnity
for loss of time on account of disable
ity in excess of $........ weekly, Cor
substitute the word "monthly'O the ex-
cess insurance Of either kind shall be
excess shall be returned to the in
Sured
(5) An optional standard provision
relative to the age limits of the policy
which shall be in the following form
and in the blank spaces Of which the
insurer shall insert such number of
years as it may elect:
600 The insurance under this pol
icy shall not cover any person under
the age Of. years nor over the
age of. ........ years. Any premium
paid to the insurer for any period not
covered by this policy will be returned
upon request,
5. No such policy shall be so issued
Tot
visions contradictory, in whole or in
part, of any of the provisions herein
before In this act designated as
STANDARD Provisions" or as Optional
Standard Provisions" nor shall any
endorsements or attached papers vary,
alter, extend, be used as q substitute
for, or in any way conflict with any OF
the said STANDARD Provisions" or the
said "Optional Standard Provisions"
nor shall such policy be so issued or
delivered if it contains any provision
purporting to make any portion of the
charter, constitution or bylaws of the
insurer a part of the policy unless such
portion of the charter, constitution Or
bylaws shall be set forth in the pol
icy, but this prohibition shall not be
deemed to apply to any statement or
rates or classification OF risks hled
with the commissioner Of insurance In
accordance with the provisions OF this
act.
Z. The acknowledgment by any in
surer of the receipt of notice given
under any policy covered by this act,
or the furnishing of forms for filing
proofs of loss, or the acceptance Of
such proofs, or the investigation Of
any claim Hereunder shall not operate
as a waiver of any of the rights or
the insurer in defense of any claim
arising under such policy
g. No alteration of any written ap-
plication for insurance by erasure, IN n.
sertion or otherwise. shall be made by
without his written consent, and the
making of any such alteration with
out the consent Of the applicant shalt
be a misdemeanor. If such alteration
shall be made by any officer of the in
surer, or by any employee Of the in
surer with the insurers knowledge or
consent, then such act shall be deemed
to have been performed by the insurer
thereafter issuing the policy upon such
altered application.
this act shall be held valid but shall
be construed as provided in this act
and when any provision in such polcy
is in conflict with any provision OF
lions of the insurer, the policy holder
and the beneficiary shall be governed
by the provisions of this act.
y TO- The policies Of insurance against
issued by an insurer not organized
under the laws of this state may con-
tain, when issued in this state, any
provision which the law of the state,
territory or district Of the United
States under which the insurer is or
ganized, prescribes for insertion in such
nolicies, and the policies Of insurance
against accidental bodily injury or sick
ness issued by an insurer ORGANIZED IN
der the laws of this state may contain,
when issued or delivered in any other
state. territory, district or country, any
provision required by the laws OF the
state. territory, district or country in
which the same are issued, anything IN
this act to the contrary notWithstand'
ing.
H. % Nothing in this act, how
ever shall apply to or affect any policy
Of liability or workmen'S compenSa-
tion insurance or any general or plan
ket policy of insurance issued to any
municipal corporation or department
thereof, or to any corporation, copart-
nership, association or individual en-
nIoyer. police or fire department, un-
derwriter's corps, salvage bureau, or
like associations or organizations,
where the officers, members or en-
nloves or classes or departments there
of are insured for their individual ben
eft against specified accidental bodily
Injuries or sickness while exposed to
the hazards of the occupation or other
wise in consideration of a premium In
tended to cover the risks or all the
nersons insured under such policy.
or Nothing in this act shall apply
ffaof contra cts