The Idaho Republican. [volume] (Blackfoot, Idaho) 1904-1932, 1920-03-19

40 'hot TIC stdte ulu not appropriate
to pay SO many bills.
No Moral Right.
They have no moral right to take
the farmers money and the money
from the villager who is not con-
cerned in any kind of factories or
employing firm, and use it to pay the
expense of conducting an insurance
business to protect people in indus
tries they have no part in. And the
state has no moral right to take the
taxpayers money to engage in the in
surance business and take that bus
mess away from commercial COM
anies who are abundantly able to
,onduct it, and who have highly
,rained men doing it as lifelong oc-
:upation and are therefore better
fitted to do it than the political ap-
oointee who gets the job merely be-
:ause he has been a good worker in
me or more political campaigns. The
state has no moral right to tear
Town any mans business unless it
S doing a public injury.
Short of Money. T..
1t seems that the insurance de-
}artment cannot take money out of
he premium funds to pay clerk hire
or for field men, and the volume of
business done is not great because
there is nobody on the job to see
hat it is secured. And because the
volume of business is not large the
prospects of it's becoming a failure
are greater. 1t is admitted by men
who enacted the measure that mo
LIABILITY is assumed by the state be-
yond the amount of the state insur-
ance fund" They also admit that
if there is no money in the insurance
fund when an accident happens, the
employe must either go without pay
ment for his injuries and time lost or
hold the employer for it, and the law
specifically holds the employer liza
BILE until somebody pays whatever
the employee is entitled to under the
schedule. The state insurance de-
partment is merely acting as an agent
to collect the money and pay it out
when there is any to pay with. But
If there is no money in the fund,
they simply go back to the employer,
who, by the way has already paid
for protection when he handed the
premium over to the state fund. 1t
is admittedly another case of hand
ing money to stranger And the
department of insurance supervision
provided by the state to supervise
commercial companies and make sure
that they are financially able to car
ry out all their contracts, is not in
a position to look over the waning
fortunes of the state fund and stop
them from doing business or warn
people that it is on the way to fail
IRE and not to insure in it any more.
That is the one alleged insurance
company that can go on doing bust
ness and taking peoples money till
it closes it's doors and the state will
not warn the uniformed who unwit-
tingly come along ready to hand in
some more. There is no employer
IN the state carrying insurance in
the state fund who has any more
protection than he would have if
he had insured in some private COM
pany that was in danger of becom-
ing insolvent. When that fund be-
comes bankrupt, he will still be liza
BILE under the law, for accidents that
may thereafter happen as we'll as for
the unpaid injuries that have alrea-
dy occurred and have not been paid
for.
No Protection to Employer.
For example, if the Clark Trans
fer company of Blackfoot has insured