Automobile Insurance: A Description of the Varrious Forms of Coverage, Underwriting Methiods and Selling Plans |
From inside the book
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Page 4
... types of carriers use direct advertising to a greater or less degree . Some have developed nation - wide advertising on a large scale . CHAPTER II FIRE INSURANCE The first automobile fire insurance in 4 AUTOMOBILE INSURANCE.
... types of carriers use direct advertising to a greater or less degree . Some have developed nation - wide advertising on a large scale . CHAPTER II FIRE INSURANCE The first automobile fire insurance in 4 AUTOMOBILE INSURANCE.
Page 7
... less for his insurance , accepting a limited coverage policy . Further , the insurance company has learned that the unrestricted policy is open to abuse , so a restricted coverage has been adopted in self defense . One of the more ...
... less for his insurance , accepting a limited coverage policy . Further , the insurance company has learned that the unrestricted policy is open to abuse , so a restricted coverage has been adopted in self defense . One of the more ...
Page 8
... less under ordinary circum- stances , and that it may be as much as 40 % or 60 % less , depending on trade conditions , depreciation on automobiles in general , and the wear and tear on the car itself . It is important to bear in mind ...
... less under ordinary circum- stances , and that it may be as much as 40 % or 60 % less , depending on trade conditions , depreciation on automobiles in general , and the wear and tear on the car itself . It is important to bear in mind ...
Page 11
... less . An additional premium was charged for this valued policy but the additional premiums were not sufficient to pay the additional losses and the com- panies were finally forced to abandon the coverage . The marine companies were ...
... less . An additional premium was charged for this valued policy but the additional premiums were not sufficient to pay the additional losses and the com- panies were finally forced to abandon the coverage . The marine companies were ...
Page 15
... less distinction . It singled a man out as a plutocrat , with the result that his neighbors for miles around knew his car by sight . Furthermore , few people not owning a car knew how to drive one , and few cars resembled each other in ...
... less distinction . It singled a man out as a plutocrat , with the result that his neighbors for miles around knew his car by sight . Furthermore , few people not owning a car knew how to drive one , and few cars resembled each other in ...
Common terms and phrases
actual cash value additional premium agent amount of insurance amount of loss assured's attorney-in-fact auto automobile owner average basis broker cancellation car insured carry casualty companies chauffeur claim classification clause coinsurance collision coverage collision loss commercial car contract contributory negligence cost daily report dealer driver Dyer Act earned premiums employees endorsement event excluded expenses fire and theft form of coverage garage home office injured party insurance company insured automobile jitneys legal liability liability and property license limit load locking device loss or damage loss ratio ment months moral hazard omnibus coverage owner or operator panies payment personal injury policy covering policyholder practice premium charge private passenger car property damage coverage property insured protection public liability coverage purchase reinsurance risk settlement stolen subrogation surance surety surety bond symbols taxicab territory theft coverage theft rates tion to-day truckman type of car Underwriters usually workmen's writing
Popular passages
Page 65 - This company shall not be held to have waived any provision or condition of this policy or any forfeiture thereof by any requirement, act, or proceeding on its part relating to the appraisal or to any examination herein provided for...
Page 139 - ... by neglect of the insured to use all reasonable means to save and preserve the property at and after a fire, or when the property is endangered by fire in neighboring premises...
Page 57 - This entire policy shall be void if the insured has concealed or misrepresented, in writing or otherwise, any material fact or circumstance concerning this insurance or the subject thereof...
Page 58 - ... all books of account, bills, invoices, and other vouchers, or certified copies thereof, if originals be lost, at such reasonable place as may be designated by this company or its representative, and shall permit extracts and copies thereof to be made.
Page 60 - Company shall not be liable beyond the actual cash value of the property at the time any loss or damage occurs and the loss or damage shall be ascertained or estimated...
Page 61 - The appraisers shall first select a competent and disinterested umpire; and failing for fifteen days to agree upon such umpire, then, on request of the insured or...
Page 61 - The appraisers shall then appraise the loss and damage stating separately sound value and loss or damage to each item; and failing to agree, shall submit their differences only, to the umpire. An award in writing, so itemized, of any two when filed with this company shall determine the amount of sound value and loss or damage. Each appraiser shall be paid by the party selecting him and the expenses of appraisal and umpire shall be paid by the parties equally.
Page 57 - ... in case of any fraud or false swearing by the insured touching any matter relating to this insurance or the subject thereof, whether before or after a loss.
Page 58 - Insured, stating the place, time and cause of the loss or damage, the Interest of the Insured and of all others In the property...
Page 68 - Company by giving to the insured a five days' written notice of cancellation with or without tender of the excess of paid premium above the pro rata premium for the expired time, which excess, if not tendered, shall be refunded on demand. Notice of cancellation shall state that said excess premium (if not tendered) will be refunded on demand.