The St. Joseph observer., 1920-10-23

'''e@'A 'Nss-lN.HA s''A''f
legted i,,m or paid by any emp!oye.
Section 81; IL tho employer be net IN
sured h's Liability hereunder ?. % shall he
liability sh1N be secondary and indirect,
'sli hH insurer shall be primarily anQ
directly liable hereunder 70 the injured
cDp.Hyn, his dependents or other persons
entitled 90 RIGHTS hereunder. ON request
= Tie COMMISSION and at every hearing
'-s employer shall produce aud furnish IL
N.'N copy OF his policy OF insurance,
and Ju demand Tho employer shall furnish
the injured empIuye, or his deUendeuts,
with tGs correct name and address Of his
Insurer. and his failure to do so shall be
pr,na fac'e evidence OF his failure to in
sure. Both tha employer and hts Insurer
shall uo paHtcs 10 all agreements or
awards ot compensation, but the same
shall not be enforceable against tho EN-
uINE,r except on motion and proof Of de-
i.HIt ty The insurer. Service on tic EN-
uiHyar shan PEE sufficient 70 give the
commission Jurisdiction over the person
't both tne employer and his insurer aud
the appearance OF the employer ia any
uIaosetius shall glao constitute the ap-
paTaUno OF his insurer.
S,stuu -S Eycry policy Of Insurance
as.l.s' Liability under ms act sh9l ,'e he
act AVID shall DO In "a form approved by
tho superintendent of the insurance de-
Ua-uclt such policy snail contain, AZ
..-ry.uaut that the insurer accepts all of
iH. provisions uf this act, that the Same
mag tv enforced by any person entitled
tn amy G.h's under this act as well as
"a PARTY To- all agreements or proceedings
under this act, and his appearance muy
D." entered therein aud juisiiSiion over
n.# person may te obtained aS In this act
provided. and such covenants shan hs en-
faruu-A|c Notwithstanding amy default OF
-c.tiou 3D. Al charges for Insurance
against liability under this act and
a"-'.s' lh, NJn.lliy ut employers reJc't-
'ua IBIS oct, sh1!l Zoe foir, reasonable ana
aG" IGatc with due ALLOW .dl'e Tor merit
rating. Every insurance carrier or group
~ raTri,ra authorized 10 insure AGAINST
.ah.i'iy under thls act, Shall Wlin'n tlIty
days after thia section becomes effective,
file with the snpeilutcudClt Of the lHSur-
aaue department It's aHs.Gcation OF risks
and Ir.rIuW rates relating thereto with
.,s System uf schedule rating Cor merit
rating gu-CIICID II any. the supofln-
fUn0-ut then shall hold h"3rln" 70 pe-
tr-n'ue upon q uniform ciassiuratlpn OF
risks and premium rates rclt'inE thereto
ed ir his discretion a uniform systom OF
schedule r4'ua Tor merit rating so
naHeN. within HtNty days after TINS Sec
lion becomes rucatiFc. tho superintendent
shall approve or issue as fair, reasonable
ard adequate for all insurance carriers or
rr.Du- of carrier, Authorized ~ law 20
transact liability or compensation lp9Gr-
asco business IN THE state. uniform
class iuu,lfIou uf ri4,s and premium rates
relating thereto end may In bis discretion
approve or issue a system " schedule
rafrr IDr merit rating sO-Callcd) which
shall be a uniform system Of schedule
rating TOR merit rating so-called) for All
such lusaranu. .c"rrierS. The supCriutcuu-
out may subsequently approve or Issue
uniform system Of schedule rating COR
merit rating eo-called, for all iHsur-
aucc carriers. or may modify or change
any such system previously approved or
issued after holding a hearing TO de-
tgralno it's effect upon the fairness,
-DuaIlorcas, adequacy or unfairncsa,
uurcaS0uahlcuoes or tuadeQuaCy Of rates,
and may approve or issue changes In
rates or c!gea.0cations after holding
hearing 10 determine upon tho fairness,
rragouoH'ounss, adequacy or uufsirncSs,
ulr,uGJuHbieucss or lnadcqu3ay OF such
aadlliOus or charges No Insurance car
Iiar or grOUp Of carriers shall issue, renew
or carry iururLuce for employers or en-
Glaycs as provided in this section at pre-
iaun rates which are less than theTates
f5r ali insurance carriers or groups Of
carriers as fair, reasonable and adequate
for the risk to which they respectively
apply. Provided, however, that II the
Ruucrlutendeut shall have previously ap-
prolsd or issued a uniform system of
schedule rating Cor merit rating so-caHed)
insurance carriers may apply the same 70
any rslJs subject thereto, but basic rates
no less than the rates previously sp-
proved or issued by the superintendent,
and any additions thereto or reductions
tborefrom on account Of the application
Of such system Of schedule rating or
,mer,t rating 20 -GaIInd( eaAu DC cie.'r!g
set lorth ~ .e dbSd' dbS,1 tCe ia ,,ro %
endoiTeihents aitachcu thtre'o' auu pro-
N4tu! Ho"CItT tlIt nui.''S Soi. h.''py -
N I'is eon'lol sl"Il tL'NSt ~ - ..S"Ht H,Sa ~
0'IJ l'I''u 80 =! ~ " -. 49,
pAl;clp4tuS pouClSS or 70 b"y "aI'Htn It'tt,
or alF'.t4Is acItaIly eaIhSu VI 81 :eu, &
hi'd proNlIti iuIener. tHat M, tnS PiC' P1 I ,slDH5
OF lnls tcclloh ~ 10 IalGs SIlLIL HoI ,aaIpI!
70 empowers WHO pIUslHe aiuHIII.5 SuSiii
selves insurance eFa'ust, noIu.ty ,LnusT
thla act on the reCl lyi othi or lltcI- l -'ita'u S
2nee pan, eS,cepL Inat me I%rsS oea el
ryssI,j,,t' ~ 'rrovi5s ycr tbe 1Svnsnt ~
~ ,c,,',15 @ i,r, nrovidad Nv t6is act
."SS 1871 C,'.' IN NJ ireDraTra Carrisr q6au
y, -lts any, Insurance agaIuat liability here
"" ~, - - I. a. r,,fntoira srlrb rCsrrras
o,'0v' ,,, --.,,-,'-.I 30 - az ~ NO spcrnce
t3a--Ig s,l,rI ragsTSyss az NAV he re1uired
9"a go, n,,'nt ~ 10 ~ ,6e irstrsI,-a
~ W. ~ -, ,,ottJar 70 v.q,,ira ana
u'N'i' .. u. lSsrehv y,sfea in s.iJ
-..,tt-. '5..+' % H''''' s- - ~
e"t ,.''- 'e' u,,..,r,, l,s,r,--o corrfa-
49," -. - ,isI'j 'ji,y, bc-e,,,5nr
~ ..7, KEN, w., -. 80, -. llritrt, ,ITt5
pr ~ ~ '..,,' ,' %. ., Gf, crd,t ~
Il. H. - -....'1 ,1r,VI.,, A., ,,C,.,,,so 20
W. ''.su' .'' w & .' 81 od,t SIrb
n..l SI IL - % - 'aS' at'sry it,,c -
."I a. -, &c .','y Jotnryy- ,rjr- ~.
tNL. I.' p ~ a''91 arSi. " ~ - f,f,,- 80
E't'r,.E -. ~. - 3yi,,,,,,, H. s J,s r5tos'
@ .,,.,r, ,,r,,1g rbo So, gy,r,crfrf forIert
~ ~. t,.c1t tte I,,I,s and TcS"ris of st,ch
H.'-g i-'r,. ,'.. ,.-'5 -g5n' ,,s,r',s a.,.Tf5
carrie "i.u 'n,.liinc ~ O'''"o'S "sS'''7
Ni.N H.' .T'..7 uL1'' ''''''
SECTION ~ For any violation OF me
PROVISIONS ~ this act the SLp-Tlh' fndeht
~ tho irHufaAgc depafi!'ent may S4speLl
or TIgaae tie authority OF any insurance
carrier 20 90 business IN thi3 slate. II
any Insurance CARRIER tal5 or delays 20
paw any nHTN-NHuIsl IuaaE u.feEiut"e4