New Britain herald. [microfilm reel] (New Britain, Conn.) 1890-1976, 1923-05-12

notice Of one accidental death on the
average for every working day, ae-
eordng 70 David n, Case, chief claim
adiusleT for that company, vino told
Of many interesting experiences IN
adjusting claims, During the iniinenr
"a period the nnmhef 81 deaths Jump
cd from an average Of lsS per m0nih
amnPg policy holders Ia Goa, he said,
Talking Of the value Of a claim
adiusteF 10 his company, he said u
Is not the duty Of the adinster 20
try 10 have the policy holder shave
en- his claim, but 10 pay the full
value, regardless The company, he
said, never gets a policy holder 20
sign off for a stipulated amount after
an accident until the patient has re-
covered and the final settlement "
made according 10 the terms Of the
policy,
He said oftimes adiusters pay 10
policy holders more than the latter
expected. II Is the duty, he ca
plainei, of claim adiusteFs 20 make
friends for their company and they
must do IL by leaving their old policy
holders satisfied, He SAIL claim ad-
| iusters must have a knowledge or
how TO deal with all types of men,
must know about pathology and an
atomy and have a general knowledge
of insurance laws
Most Nlen Are Honest,
II have Travelled all over this
country from one end TO the other
and ! have not found more than Ave
men that were not eventually fair
and square" he said. 1.-The majority OF
men are absolutely honest"
He said the slogan given 10 insur-
nnce mon Is as follows ut takes sb
muscles of the face 10 make a frown
and only 10 10 make a smile, why
waste your energy"
Ask tho Civic League.
He quoted Bill Nyes definition Of q
claim adjuster as THE man who
stands between yon ana immediate
wealth." Quoting some of the hypo-
thetical questions sometimes put TO
chief adiusters by younger adJusters,
he said he was asked one question
by n policy holder as follows: "lf "A
man gets hurt playing game on
Sunday, will he get paid?'
He said the question was asked one
time at a meeting of claim adJusters,
som ewhat as follows: "If man
holding an accident policy which docs
not pay claims In case of death by
suicide, makes up his mind to COM
init suicide by throwing himself Off
a roof falls accidentally from a
broken ladder while climbing onto
the roof and breaks his neck. will
he get paid?" The answer Is that
the man was killed by accident and
the company cannot do otherwise
than pay him.
Although the very letter of the law
does not oblgate insurance conf
NAMES to pay death claims where a
person loses his or her life in an
effort to save another, he said no
insurance company ever hesitates
but pays these claims promptly and
without question.
Impudencc Insurance.
Citing various claims made he told
Of one person who purchased an &C
cident ticket for % cents at a railway
station, who wrote the following let
ter. II bought one of your accident
tickets and on the way to the train,
while going through the gate the
usher spoke Grossly to me, causing
me to lose weight"
He told of a wreck on railway
few years ago when five people
were killed. Three were insured, Two
of them had the accident tickets
sold at railway stations for 20 cents
and one man who had no insurance
was the ticket agent who sold the
tickets to the two others.
The company paid claim for
man in Texas who reported he was
struck on the head by a limb of
tree. After paying the claim 1t was
learned the other end Of the limb
was in the hands of another man.
Suicides Increasing
ut is regrettable thing. and
terriblething to says, but 1t is true that
suicides are on the increase in TINS
country" he said. 1T does not always
take a coward to commit suicide.