The St. Joseph observer., 1920-10-30

/ ms 5Tailce shall be assessed against, co)-
lected from or paid by any employe.
Section "a. il the employer be not in
sured his liability hereunder shall be
primary hnd direct II he is insured, his
. grd hs insurer shall be primarily and
/ directly liable hereunder TO the injured
| entitled 20 rights hereunder. on request
1 Of the commission and at every hearing
the employer shall produce and furnish II
with copy Of his policy Of Insurance.
the injured euplCye, or his dependents
with the correct name and address Of his
prlma facle evidence OF his failure TO In
sure. Both the employer ana his insurer
shall be parties 10 all agreements or
awards Of compensation, but the same
shall not be enforceable against the em-
ployer except on motion and proof Of de-
fault by the insurer. Service on the em-
plOyer shall be sufficient to give tho
commission jurisdiction over the person
Of both the employer and his insurer, and
! the appearance OF the employer In any
proceeding shall also constitute the APP
pearauce Of his insurer.
Section rs Every policy Of insurance
in accordance with the provisions Of this
act and shall be in a form approved by
the superintendent Of the insurance de-
partueut Such policy shall contain an
agrecment that tho insurer accepts all OF
the provisions Of this act that the same
may &c enht9g'g9 1y any Ly person enJhuea Sydh
by tho employer. that the insurer shall be
a party TO all agreements or proceedings
under this ac, and his appearance may
he entered therein and jurisdiction over
his person may be obtained as in this act
I provided. and such covenants shall be en-
/ forceahIe Notwithstanding any default OF
/ lhc employer
Section 20 All charges for Insurance
against liability under this act and
! against the liability Of employers reject
/ ing this act. shall be fair. reasonable and
! adequate with due allowance for merit
/ rating Every insurance carrier or group
If ami % O. Oh
/ liability under this act, shall within thirty
] days after this section becomes effective,
! tlg with the superintendent OF the lnsur-
arCe department lis cIaSsih'atlon OF risks
/ ard premium rates relating thereto with
Its system Of schedule rating COR merit
. rating Su-caUe') n any. The superin-
teudeut then shall hold a hearing TO de-
/ tcrm.Ge upon uniform classification OF
risks and premium rates relating thereto.
sd IN his discretion O uniform system Of
Z schedule rating cor merit rating So
called within sixty days after this sec
tion becomes effective. the superintendent
snau approve or issue as ialT. FcaSuhahie
and adequate for all insurance carriers OF
groups OF carrier, authorized hy law 10
transact liability or compensation insur-
classification Of risks and premium rates
relating thereto. and may In his discretion
/ approve or issue system Of schedule
rating Tor merit rating so-calledl which
| shall be "a uniform system Of schedule
rating COR merit rating so-called) for all
such insurance carriers. The supeIlnteud-
. ont may sub 7oCuCuNy approve or Issue a
uniform system Of schedule rating Cor
merit rating so-c.lled. for all iusllr-
ance carriers. or may modify or change
any such system previously approved or
issued after holding \ hearing TO de-
terruine its effect upon the fairness
reasouablauess. adequacy or unfalrness,
uureaSouaLleress or inadepuacy Of rates,
and may approve or issue changes In
rates or Clgssif,ati0ns after holding a
hearing 20 determine upon the fairness,
| reasouableuesS. adequacy or unfairnees,
| unreusonableucss or inadequacy Of such
a a NH..F.4 mr.
/ rier or group Of carriers shall issue, renew
| or carry Insurance for employers or en-
Dloyes az provided in this section at pre-
'"'''.-l -r issued bv the Superintendent
f.. H' Insurance carriers ur groups ~
. HHH-l,HB RH fair reasonable and adequate
. fog tine r'E., 40 Whi-n they respectively
. Amply. Provided. however that N tho
. superintendent shall have prcvi0u"'v Hp.
. proved uI IsaIri uuf.ru system ~
. acr-5a'J raHUr Tor merit rs '.T "... ...-#|
. insurance carriers us" nTr.. .." .|H FL.
any rlshs susycS. .... ..l. -l. .t-. Ia.'"
no less than the rates previously ay-
proved or issued by tho supernt endent,
and any additions thereto or reductions
therefrom on account OF the application
OF such system OF schedule rating or
imerlt ratlnS so-cAHtdl bh@n De CieArS
set torth IN the MsIrauce cohtIasts OF
| ehdo ehdoTseihehts aIIaeneu unJLrt'oi anu aIIo p.os s
! Nlcep; however ma IolI.li.k coIta.'cI
| IN tnls section shal aHect ihe tlSnt OF
Any lIih france ctiI lsi oL cal Lers @ " t.sIs
| participating policies or TO pay savings
= 80 III
arc ProNIuSo iuItner, tiIat tig piVN i iSlous
OF thls seclloh az 70 rates shau NOT HppIs
10 emp,oyeIs VINO prGNIoe 0ns aih9ns tneinr tn
eeiEes lhsuTa auCs aEdlHst uaplnty ,unusi
thls acJ on tne IeclpIota! or inter- -HiSuI S.s
- i'@. s,,,'r,T,I fodcrt i,snre
- yt,t-to,t -, ,roSJdS ~ tbe 1Syr1snt ~
J Sbs car,Cspsst{or T,rovi5ad Sy t6ia set
SoctioI "a NJ F1s,,rsnce Carrier shau
/ -,-;ta ay,,, irsyroy,.s sgajrst UabiIitv here
,rder IIi,iaae a. rrpiDisjns st,cb Tesaryes
og sra rnr-rf-s5 ~, is W ~ IN tbo abearCa
S .Soa. CO. e,i.L ~cg-g,,as sc q -, 80 rN1nlreS
r'i ~. ~, H,r,sri 81, o,5ort ~ 10 i,syIrs1cs
JSS,srtr,s,f ~ nStysr 10 reoI5ire ana
oIr,1i,'n ~ fcb Is sberobv yostsd in said
| - r,v.E-,,-;,,, ,,5l-t "
! DNeea,,.oo i'' r-,.r,, frs,,ra,oa earrt.-
! ,,-.i,,rt, i-gS.r,,.a ~ p1IIify. GrrrTTtnr
W 80 ,biiitt ~ er1nI6vpre reir.tirt- ms
, 81" IN raT,rt ~ he s1nari1t eDdspt ~
/ - t,',-a,,,i5 a., ,Ta,,t In gcrorda,Ce
i.n go 49, as he nav adort sucb
,,rorngsticc as he nav M any limo ra-
,,ty - - ,,,',r,CuH - Sefary,iTiHS tbs
dII,roo,,c,t ~ ~ rrler or lie fairness
r,-s,o,.gf,,eroee ,rS aGa1uacy ~ lie rstes
5 tnr s,,rb n,Iv,.oscs Inc sy,Derinte tendent
-, - i-srs,t s hooI,s and re5or5s ~ sucb
csryisr ana eyanlirA lis offio4ra agents
~ a.' ans -.
! section 81 fpr any NlolAtoh OF ,Ihe
. pIotlslnhs OF ms hCl .he sLPtIli.l s elil'',is
/ OF ihe insurance aepaIuhet may huhpelu
. or revoke the ENih"rtly OF any lnsLI an .
/ carrier 70 90 uLslutss ", thls sISle
any Insurance CAREER aus HllS or .s.y5, uetayS 70
pay any co.npeilstll'sl L,laLS ut.e5 'i-lileu t
70 De alt L.e s5'yl ~, r. & s;',' o. ,ietl
tl4' N.'t'fi ''- % .' ''~-'e' - ''"-'