The L'Anse sentinel. (L'Anse, L.S., Mich.) 18??-current, 1914-07-18
EXPECT MANY At
JuR|sTS meeting
GOVERNOR FERRIs EXPECTED TO
ADDRESS MEETING IN BAY
CITY.
EIGHTEENTH ANNUAL MEET
0stherlno Of the Association Of Pro.
II, bate Judges Of Michigan VIII
Open on July "A and Close
on tho 10th.

!. bate Judges Of Michigan VIII
Open on July "A and Close
on tho 10th.
Lansing. Ron July 1916 the eight
eenth annual convention OF the Asso
citation OF Probate Judges will be held
in Bay City. Governor Ferris Is seized
uled to address at this meeting A
good attendance Is expected.
Among the features on the program
are: Presidents address. Judge Hen
~ M. Gardner, Lansing; report. Judge
Montgomery Webster. Ionia; report Of
committee on proposed legislation
Judge Fred H. Stone, Hillsdale: re
port Of committee ON blanks. Judge
ROLAND q. Barr. st. Joseph; report Of
:, committee on uniformity Of practise
Judge Neil q. Reid. Mt Clemens; Re.
cent Decisions of the Supreme Court
Affecting Probate Courts" Judge Clar-
ence M. Russell, Jackson; address,
Superintendent e. B. Price, Michigan
State sanatorium, Howell: Home
stead Exemptions in Michigan" Lewis
l. Thompson, Allegan; Probate Courts
In Michigan" Chester L. Collins, Bay
City; Charitable Trusts" Glen c.
Gillispie. Pontiac; question box con-
Quoted by Judge Clark e. Higbee.
Grand Rapids.
Report Of Insurance commlssloner.
According to the annual report Of
Insurance Commissioner John Win
ship filed with Governor the net risks
written by fire insurance companies
In Michigan during the last year
amounted to $1.426,912.S69 while the
net premiums received in this state
totaled $14.033.911. During 1913. Com.
missioner Winship says 214 compa.
MES reported to the department. The
net losses paid last year amounted to
$5,272,092. while the losses incurred
reached 35,8S1,431.
When the department was created
In 1870 but 95 companies reported.
The risks written amounted to $131.
607,13s. The net premiums received
in 1870 totaled $1,61s,241.53. while
the net fire loss paid by the com.
panies was only $978.68908.
The percentage of fire losses, in
CURED to premiums received increased
seven points over the previous year,
being .eO35 for 1918. The average
cost Of fire insurance per 500 Of COW
erage. dropped during the year to
$1.01. In 1912 It was S1.0S. COM
pared to SO cents in 1911.
Judging from the experience Of the
past three years, l am inclined to the
belief that this rate is a normal rate
for the state,> under present condi-
tions," says Commissioner Winship.
During the past year one new stock
fire insurance company completed its
organization and began business, max
ing total of five of these companies
in the state. These five companies
show an increase of admitted assets
over the previous year Of $1.771.622.
For some time past the Michigan
department of insurance has had un-
der consideration the operations Of
nonresident agents seeking to place
business upon property and other
risks in this state. It has seemed
that there was considerable incon-
gruity In the construction Of an act,
using language to the effect that no
foreign company shall write insurance
through nonresident agents. that
would permit such nonresident agent
to do all the work of procuring and
placing a policy. except the final act
of countersigning. as has been the
custom. Following ruling by the
attorney general an order was issued
by this department prohibiting foreign
companies from working through non
resident agents.
In spite Of the warnings and ad-
vice from the insurance department in
past years. and despite the passage Of
q law in relation to unauthorized in
surance, or insurance taken out In
non-admitted companies, II IL still car
ried to some extent. though believe
that the educational methods that
have been adopted by various super
vising officials in the country, together
with the experience Of policyholders.
Is lessening this class OF policyholders
each year. It Is not unnatural that
the ease with which unauthorized In
surance 10 obtained may be conducive
TO some Of the over insurance which
10 the cause of incendiarism and ar
son. I am of the opinion that the over
insurance evil would be remedied par
italy by the passage Of an agents
qualification law.
Among other specific legislation
which I am inclined to recommend is
"a law for the prevention of the sale Of
matches other than what Il known 40
the safety match.
Articles Of incorporation. Us
The following Michigan firms have
riled articles Of incorporation with the
isecretary OF state:
Advances Electric company. Flint;
capital, 5000.
Simons Sales company. Saginaw;
capital. $4,000.
Young Brothers q Daley, Lansing;
L. ~~A H~~x.~. mn A.