Untitled Texas Attorney General Opinion ( 1942 )

OFFICE OF ‘T’NE A7TORNBY GENERAL OF TEXAS
AUSTIN
owl up 8 rather ex-
merropolitan mvo-
croered oWm,latiozi
and l@mllJ& to
d policy of aacident
im?tenaas vh.l&
entlon speolfically and
ua AQtonio Light, (2) The
on Port, (2) The Xourtoa
o Id&t ha8 not yet lcreued
only lwnahed its edvertlra
ChrOOhove boon in full-fled&od
many yMrs*
“Thor. lr ecae QQoetlon in our minds as to the
1qpUty of the oadour plane of operetlon iollov-
ed or propored. There has olro been aompl8int to
UI from oompetltlve oompanlse end agenolcd; but ve
give no amtrolllng velght to this, cinoe our eolo
duty tr tb
lmlature tibe obrerved~ end our only intereat, thoro-
.rore, 3s lxt Aoteotlag mAArenmAyltlg v101aonR. '..
3!here are mm0 variotlom in the plana proropos-
edor fo~veA,novurdltt the past, by the va~loua
MtwJMP8J bttt in OF&l that Vb Wily &t8Pt?dM hlCl
oar.-oplttlon from your Oeputxmtt vhsther ang of vuch
p&w or atty p&rt QP part@ thereof aoparatolr aon.elAor-.
eA eatatwtte riolathtt!t of the law, vo s-ire and
nunAlecropratoly hweb bolov all or the eesontl.81
~oaturer and you llroylwav that all of thoo or0 cm-
Rott to & 1 entorprlree wiles8 a 1laitatLoa to the
aontrgry lo lndicatadt
'1. The Mlirhore of all of the nexie-
paper* inrolved ere prlmte corporQtlozta.
"2. T~Q cmepnlsa lssufng the yolfafos
me Auly lioon~od aaoident lzmnvmoe compm&w.
9. The polluy forms, endorscutcnts,and
riders used nre duly approved by thir Board.
"4. In oath lnutnncc rho novsppr publish-
er (aoqomtlan) enters Sat0 vrlttca or v6rbal tuprer~
or taelt oontractual rclatlons 8~1th the ia~tmattaa oati-
Orup f@P tha ~irO~tiOA-~tZIlOti~tl and ~C;cliC~-W3l'kOt-
Jsg enterprlee hereln inbloated.
"5. In aaoh instaoco, except the i.&llaa
XIov8, there ie ta8intataod in sffLco quartore px*oold-
od by the novapupcr corporatlcn a Fo-called roy;lrtrar
Vho io a duly authorized EIgt?At lhtonrod by thir, BoomI
in ~@spllanae vtth Artiala 506&b, anA there are olao
tneneroue duly oppoiated and liceneed rolloltom vorls-
lng ttndtw fstd in eonjunction 131ththe registrar. In
tho cam 0r the mlas m18, th0 :2t.mmnoe comp8qf
peye 20 the ra,#atmr 0 flat wa rer nonth, out of
Vhlah ho paye the DallOs &N'P (d. Ii. Belo i-,Or~o~8LtCUl)
445.00 par monthrent Sor offfco epuue, sncl hlic ovn
help and ofiao oxpenffe vlth the oxcoptlon of adver-
tising and cervices of the Sallee lPeve route uarritare
mentioned horoinaftor 31 paragra$m 13 rml 20.
EGaorablo 0. P! IIohhwt, p&w 3.
l
6. Ylth the moAl$loetLon above M I.a tteA
a eto th eml& w Ieva th
, e.tmtmp a pprer
o vld6
l8
t it8 ... *
OVA expotm r0r, tha regirtrar ma hle mm of roiici-
tore 0lCiee rpaoo, fvrnitura. equipment, stationery,
cttppi ler, au-da, poetage, eta. Boeider, at Its ovn
w%ll built up through t&e cnterprlre.
9.. In tome oaaer, re have found thlr new-
paper 8Avertleillg aommhat mlaleadin& and IniePopre-
eontatlve 8e to tho torme, merite, uvl benefits of the
pOuOyJ but UO &@k tOP 110 OpfniOtI tApon thiia fOLLtUW#,
beliorlttg that your opinion ar to the other points
involveA vlU, eaablo uu to Alapoeo of and control thla
feature along with othora 1st acoordnnce vlth the lau,
Art. 5052, etc.
‘8. In some inrtnncie th61roglatrur and
*olWitor* an full tltw, ctalnrled tmployooe employed
anA pald by the nompapor but AevotN full time or a
mbe8atlal portion of their tine to tho lsmrance
ttud.noas at tba diraation of the pnper.
“9. In other inetaaaes ir 19 probably thdt
ruch roglvtrar 8x43tollcltore arc lndopendont oox&mm-
tom 01th tho nevapaper or am aga,ontr! of the lnrumnce
aoapaay or lnAepe.ndent oontractorv vith it.
30.
The navepaper advcrtlelng ccuttalns in
met lnartanabe a coupon fom,
daeL&nodto te matlm¶Or
oth6rml8is ddlvorad to tho newepopm to tie csttaixtion
of ltr ~Insurenco Ilapurtmcnt’,iiic?Lcnti~ t&it th par-
eon uhoee name, atddrc~tts,
nad other gersozml detaila
ara lndlcatod in the ooupm is intercstod in obtaining
on0 of tha ~oltcloe ofrwvd.
‘11. In other inotsnece tI:e qxe~apcr adVeX'-
tleiry, instead of cantaleing B umw coupon for inquiry,
-0 0. ri la&hart, peg6 4
.
oentune enbbaal appllmtbn tar $iollolea, to be
mall06 6r 0tbmrf0* retomled to the *Ineuraace Do- ”
partment’ ar thr, Jaevepapr.
%. Vithaut oxeoptloa, PO Sar ae ua have
olmelmd; it lr rtetqd
pwmuently and rpeol~unlly in
tbnow’~@dv.rtirkrg, the ooqoaactho8ppllea-
tl6n( b uc moLt o th eg lc a lo that
y ), th 6p o llo la
y lva l--
a l6o nlyto eub o 6r a er o r8th em p era a dto th e
maawrofthlrllauunte~lp or p 00 lang a* thqr
ramln oubrorlboro and that the polioy mey be toralaat-
of3 when t&a nov~paper rrubauriptioa ooeeoe. In meet
e8aee l&o pall0 Itrelf provitlss that it contabe tha
vh6l6 ogntmot i etvtbeninmrer and lmwod ant%that
aoltlwr th@ ap lloatlan nov any stetenmt mado by tha
arrsred &all go. svallnblo as a defoare or a&%loslble
k rlvld6no o .
9% The pr~umecharged for these pol``~ocr
uaully Indude 8 tventy-fiv4 cent iniffcl regirtra-
t1on r6e.aml a premltatr~ from $1.20 (shn Anton%0
m&a) to 43.60 (other t&roe) par year; theea gaweium~
belel`` bellolfo (evpsalally the aa Autuafo &l&t),
lovol? than 8imllar poll.cles aould be
pw43h8eti T ir8tan)mothero tlag cwea
Cr qenolao in tha oo-fyi probab
7 duo, at least
In part, (1) to the taut t&it the neurpaper %* beer-
lag a eubtt6ntlal part OS the tot41 coat or LIIm.r6nGo,
and (2) ln part to the fsot- that the ltmuraaco com-
ponlos aa afford to eel1 ahegpsr in the larger volumar
made goe&ibXe throa@ mob as errengmnt than they
could by marketing throu& regdler qmal~re not ho-
lag the abditLoaa1 benelite Sur&l@h%Qby tl-,o nerayq.m.
la et leeat one laataace (Eaa &tonio LLEfit) duly tu-
thorfrrd reprtmentetioss of t&6 in~uraaue coxqaap (Iiort2.i
Ailbericea Aaai&unt laaurance Ccnqmny)ham adrrittad spa-
ulfloally that the oompiay could not and voul& not
eoll the sat46pollay at the eaza prlca to any one
othm than subsoribora to tha nev~papc, gioa (2)
above e# the reaecm.
‘9. Ia mart lntiMca~ the luquiry COUpoaR
or ~pplleitloa &rme publlmhud In tho aeuepaper lay-
out0 m 8olloA by the i.nqutxsre cr eppliu8nte dLreot-’
( to thm reghtrar, ueuall acMxursod in oare ot the
%u uraaao Dapmrtment of tL newpaper.
*Xi. Ia other iaetauooe thee0 inqulrles or
eppliu8Uoe furme bbve been &zked up from the eubecrlb-
m @ tmmm%tted to tho xegletror by the nuvr;qter .
rout0 aarr%eru, vho w la every lnutewe not liCeaw4
a ala wma oa e o r lolxeltaru, a a vha
g e nt* d a m$ a en ld-
ployeeu oi er ladupundoat oontraatora vlth the neve-
geper.
3661 h mout inetanaer upon receipt by the
re trer
‘I of the Inqulror’r coupon, the regiwtrsr eon&
a lloenaed rollcltor to interrlev * proepsot
&lee 8nd mtxma appllaetlonr for peXlclue; the eppli-
ortlanr thoa JMag parqod upan ud the polioler refue-
ed or ooaate?d&aud and lrrusd by the regletrar end
mallrd to the aeeured OF bsneilolary.
=x7. In most inatancer the re&H.ratloa fees
and oceml*rlonu al&mod by the lnacrance c~ea are
pld ta the lleeneed ragletrttx and aollcltor~, either
8e tholr role oompeneaUoa or la oddltion to tbelr rog-
ulm marlea or othua?ocQlpenwtlon OI! euployaur of or
%nbpwdat eontr8otore vlth the publlehere.
wi. In other lneteacea such c~rsious
end registratton fees, or portions thereof, arc retnin-
ed by the publtihera 6s o partlol ofl’rtit ogeln~t QX-
pMS6S.
39. In the one6 of the lklloe 19evetho pro-
niuw aw prdttod to bo eolleated pertcdblaolly by ’
aevwpapor route arriere vho &w not llcenfml aml vlx2
are eeiployeee oi or lndepetient contxnctor~ vlth the
neuCp4lpm*
“20. In such lnetancee (D&lee Iievs) as, the
nuvspapermute oarrlem are p3altted to pertorte any
funotton ln the fnsuranee enterprlee, such as oolleo-
ticm aad tcaasmleelon of applicstiona, prmbnt, or
.
@lOtie, it 18 WApulated in thcr spp2iGtttbJ2or
coupea-rm that la eo doing tao new per route car-
rtar 1e the 8gaJatof tba nevspfbpecuurwribec, In- c
quirk?, 8 8pp2liaMt aad not OS the aouepeper or of
the lnwvawo caa&lmy (a protfelaA of uhlah YO @mlB-
2y doubt the wll8lty in Vlmt of the provlalMe at
the wtatutee, mow am &l'ti.GbJ 50% &Ad 5063).
=a2. & e sell ewe* the regfrtrar, la met
th8 puul*&or, ramlte to the inuttr~0 oalapaler the*
emra of tbs pwmlvw an8 lA every caw tbn nauqaper
Ir.ha28 U#po!u?ib26 &*fctr.
‘P2omo give ~11your opinion ec to vhothor each
*a* 0r ch above ``petlci~adp2a1~10r op8~8ci0~, c0ib.
eltleu8 meymtsly or ln aonjunotlon vlth othem, oon-
ltltutee n tlolatlon OS any eppllonble prooirion of
our lnwwncQ scacuter. apealfy ceparate2y a0 ve la1
drum rhioh phaeee 8re 2ega2 and which are illegal.‘
%omt purtlm28r2y w lnvfte your attantloa t6
‘lmlone air B.&s., Artlole 5053 end P.C., Arti-
s 78; B . ca. ., Artiolea 5055.5056, 5058-5068, Ltlolu-
3””
eln, and P. C. Articlea -573 end 57Ca.
l
P u tlo u2a r 2Jr
it eobrre to w that from the @O-
tf~laa# as CM abow oltetd atatutec the &$&mtuw
latonh8 thata%lpua’saw vho arenotdulylioe~eed
aganto or eollcltcrre (en8 partloulIw1~ sll aarpara-
tionu, vhlch are e olflcally forbiddoza to be lloenacQ
ae o$ent# or a0110r tora of l~aura``o~) ahould keep hfmds-
oft the lneurezme bueineesl errlctty, and that purtl-
oular2t undsr &%lol.oe 5055-5C6$bjb, lnol~slvo, the Aw.w-
p8psr carparetlone are mlavfully aarrylng OA the bud-
neon of ro2lGftlng a rocelving~apgllcatione for la-
U'UPQAW, lrsulng md.dellverfng pol.Uise-thereof, acid .
othemlre al- ‘In the LrrmaaotloA of the bualnms
of wj ~ASUWAW aompany,g md dolag at leaet tndlract-
ly through eotual control of othere LhOWt3
things UhlGh
they are meet epeolflaally and onpbaticnlly for blddcn
to do dtreotly themsalves; and that their osiplofooe
en8 ladQ*nQeAt Qantr&atore and the iAeuranae marpan-
lee and tbelr egonts, employees, end IAdepeAdont WA-
traotore are llkevlss oiolatlng one or more of the pro-
vl~icim of the cited statutes. It weac to pa plain,
oloo that in offerlag thee0 pollcloa (1) o* to rub-
wrlborooithoxtw``aadbeojiaa:theaitoothow
oi equal itwurability, and (2) at rater lover than bon-
.rubwrgbero to the3partloular fnwspaiptra SPA prchwo
polioior •~COV~OW, the lnrurR~co oompanlocanb their
agent@, om#lo~oom,and lndopendant oontractors aro
gut3 0r dir0ddAatlng and wm.Ag 1A vi0mm
cf rtatutory prov191oAQ."
The aontraota botuoon the lasuraaf30 aoapanlor 8nil the
w pob2l8horr, show mentlowd, now in r02-w. two to be
~outo4 014 put in r0m (II ronem3d by t&o +otootatla aoppio~
~tho0ilmwo
-t 0
A* H. Bole carQorot1on tr ae sollol?t:
'T&m mw maa0 and ontoroa into .thls th8
2nd day or .&arch, A& 2936, br nnd between XRTPR-
OOBAHcAsum cmm, a corporation or&anlteQ on-
dor tho IRUR or the state 0r Indiana, 1~1thoseoutlve
0rfi00e io olrrcmti, ohi0, and bar* a p3t-a to
do buulnoer in Toxw, horelmfter aall& hhter-Ocean,*
end A. 8. BBUI CCBPORATIO&a Toxaa corporation with
ita doalolto la Dellw, Tesw, herelnafte~ doeQuoted
99 Vub2lder. (
"That IWR~,.the proteotlvo b0Aerlt3 of deelr- I
able aaaldont iPsuronae are AOt COAVOA``A~Z~ obtaia-
able br tbo roadorr ot and rubacrlbora to newpapore
or the Publl@her Upon mm11 weekly poy~2nts fm auab
ahfirnetor 0r i~aurzmce;.aad,
'%iiEiIW, it la mutusllg aon8ldoPod br the yar-
tlos hereto thot on oppox+tticy for ouob reodore and
mtbccrlbers of the nouspapero of the Publisher to buy
ruch charaoter or soeldent Ipauranoe upon pmluuw
payable uookly vould not only be mndwlve to thelz?
wellare but iould a&so lnoreare the bueineas af said
bteP-&WA 8nd inGrWff0 the GiPoUlatlOA Of the nOW?-
ppere of tho Publisher, and llkewlae would lncreaco
,,;.I
itoaeablo0. P. lmkhart, page d
tho Ralb aad tubscrlption to said p3vspap8ra to the
advantqp of Publiahwb IrulewWt. oantxaotor neve-
pBr aarrlore taarou& war rollalaary elm?la to a0
it creeee the rubtoription tale OS tald nevtrpertj &id,
??WRgaS, raid titUF-f&Sah bet oubsittod to Fab-
lithur ep¶olm8nCopL6Uor ~ouafoa, two OP vhlhich 6ve to
b8 ;derrfiocrl in tWW Vith @icy tOFElthel'Ut0 6ttUChed
lea p a rht
a r eo
o wrh,
lto mp ‘4
c dp eo foflpllc
sa ay,~
nd
a a r k o dto lnlc r o ORe
ep 'l334x'andthe
o o tively, oth8.r
'l33 ZSiU,’ eaoh of which poliaies it undertakes to
iSSW m&dt8u fOr tha p?UmiUUI Of riVe odot8 pr WOkl
alto priated.iarn of pollcf by tald Inter-Oacan vlth
ths vurloue uhangue an4 acblftlont thereto indicated by
ink thoroon 8~4 by OddeDdopasted to said poliop, and
vhuh mm 0r poltoy le marked b Ink on rirttt pase
thereof '133 IX47,' vhloh polloy aaid Inter-Ocean ml&-
"1.
That PublltRer contents t&t t&c voluntmy
tsrviae an4 err0rt8 0r its tald indqmda~t conttwctru.
xwvep8pca``arrlws may bo snliated In tto yu\cmotion
of aaid butinerr of etiib Inter-oCeaa, oondAtlone4 that
thbp do t0 v0luwriiy r0r the pwp0m 0r incraealna
their navtpap~r ales an4 thomby further tholr ovn
Fommet ax& i;lureas8d sarnlnga to them thereby.
9. The PublMlzsr a&reea to sponsor by edvwtfse-
t#AtI in Ltt adily nwdpagma tke said gol.faf8c Of fn-
uuramze, r0mas of vhiah fcZ'8nade a part hW8Of, to
that iusmt1oR as tQ tbe benQfu8! thsreal and pre-
tiafmt to be paid therefor still ba eveilable to t&o
reatlers of an4 eubeorfbert to its nsuepapm.
0r ite wvwpagiw *The
gllenoe 0P ttir ogrwmcnt, with-
later-CaWn e&all hare
*4. Snte~ooeM &all provlat’ itr auly noormut-
ad ed authoriwd etrar, resideat in nnd vZth cm-
wnlent offiw b i!?sa 8, Wx68, Sor the tran8aotMn
at fte bWiaasS in 8ObtiOXl to S&d lJ1mr4BCe butlneta
that w f&ov hoiu the ma&em 0r en4 eubetrlbwe to
,wlfsx4wep~8*
l
5* Iia t~o w
*h
a nap ll
r o vldo
ite
duly
l.la enwd
afpat, U’lWiM tor ur a tolF thh a dow e tad 8b o v8
fn gaarapa* 1 hereof euah pW.Wd forme T@ 0 appliaation
for fueuwnoe at Inter-Owan atiy pruvide far swabnow-
papas mabralbera aforeeaid, an4 if snd Pken rIgned
welt newpaper eubecribero, to rewive efmae,aa2
3 tai, l%eted by the weittu’y heroinaftaF dOQi&lUJted,
to traneait cum to the R&etrar, and srrd Rc$letrm,
ite4usabe sapropwandla&elrorm, FbtO.2atom0
Usus the policy of ineursnc8 called r02 theroln; and
raid agmt ud Geglrtrar hall tbengomp;p``W~w-
ror tha dellmw~ of raid polioy to
ln.
‘6. ZntezMoenn hereby aowtltutss Publilrhes its
altory co reoeivat, oolleot and waount to it for
'ir prwaluw rwllred froin aaid neviqsper aubswlbexv
and readers upon eat4 polIolee of l.neurenco to proour-
8d und6z the wp3nswahLp or Etiblleher sforeeal6L And
it belug tan&mrtooa that eoah polloios rbll only be
tttued by Inaer-Oueeu qmn epplfaatlonr l;her&or, end
aah poUaLec, to bavcancel8d by Incrtr-&em fur ma-
;4) nt or premlwa ee provided ln said reepocttve
; giz1.e of insur’3nw the mblfwher agrwa to wt as
ruo?a &epoaltnry aud ti receive an83 aa~ouns to inter-
;;. Owrin for all premiurpaco turned over to 2t, and to
keep a reaard of euch fmm aab by what oae\lrsd pi&
pad of rwh 6ata 0s rpag be r8qti~ite tQ cmply with
w&lo 0. P. Lookhwt, me 10
I
ondwbwrlbwr of thedailynmmpa``ca $ubUrbed
by the Publleher lto oerteln IJovapoper, Travel and
pedelrtrlan AOoidant p21Uie8, in acoordance Vlth
th6 res~sotlve forma, coplas Ot vhlch BI'O 8ttRChed
: haeo, the lwuaw6 or vhbhhas been or lllr11 b&l
ruthwlzed and approved by the In~urancc Ikpa&mtnt
of the starts or Tbxas.
“6 . Xmadistoly qxkn receipt or an appllce-
tlon rm swh irrsur~e pouoy fma the rubreribarm
or roaders of such n8umpa~oraby the tmzd liwuwtti
e$6nt mtmtloned ln pere&rqda 5 ixweof, he mW3.l dw
liter to the Re&letrar, or other duly suthorlzed
egsnt of Inter-CMaen to be nearedb inter-&soon, rwh
applic8tlon and a aohedule, ia dupf ime, upa0 torn9
to be iurrblahod by Intor-Qoem, which ichadulo #ball
ebou the nllne, addmae aad age, tog&-her with en
LetCar, a~, other duly autharlzea egent or Inter-Coesrs
&all, a8 8a se may xwmonably .be poeslble, countB~-
a* mid lrrw poliolee of insurance to tho poreona
rho have agplled and me eligible tkereror, QI) appears
fr c l
ouo lohedtsbb
c h xbuvery 0r the poliom 0r in-
mar-o dUll tbsrrbe aado to the ~asurode, wbncrlbere,
oroadorwarrrld``arorewld. Theprovi- .
am d QOadltm8 irr ~0h polioiet3 0r in*~tic~
oonta&mdeWllatalltimsr detexmlnothe llabllltg
of Inter-Oeew,to ruoh polloy-holders.
“9. The B&lrtrar shall rurzah voeuy to the
mbliehsr an& IntmNaean a dupliaate list or all
was arraquiredbyaaidpolicy.
810. Inter-ocean klgraoa that durfq the contln-
uawe of thle tsgwolnsnt $t ~111 not acaept insurcmco
tom or 8ouspapr, Travel and Pe&strlfm AM%-
dent
-7 po toy ircar any other n%vc~p, ma@4elnoor
oaleal plnted and publlahed ln t&d city 0r wllm,
!F liar County, Texas, end vlll not lrruo sng suah
pomi13~ or lnsurww to the subrorlbers tx readers
of any other rmumpaper, mqatlne or periodical vhlch
11 pr¶ated or publlshcsd vfihin tht? City of Dallas,
Dsllm3County, Texas. Tba PubUsher a@eciw that dur-
lng the oontlnuowa of tbls fwxwmentlt vlllnm m&k
ta3.n say crontraot or entm into any contract vlth my
oth49rlnuurerior theisrwnco of e slmller r0moz
6GofdetktZWMW% poliid.
\.
%ib rim pe3ty ageme to prcmptly trenemlt
to the leowd party lenaedlots1y after receipt there-
OS, @X1 mporte, oarrenunioatlon~,or other lnforne-
tioa r000i+ea by him relating to clsiree prerenced cr
any 0th``~wttor irr ubloh eaia eecmd party wy be
fntereetadj ana to interpee AO difricuitios t0 the
thoroogb trvoet*tron and equitable adjUWti#At 0r
web aAa every olalh.
%ia zooond party agreee to promptly invertigeto
muI dlepoeo or all olaime aocordlng to the morite ee
tihow by th0 pxire and the faote.
V&e first party and all reproeozmtiooa eoli-
01tlAg l
‘-
pplloatlons ehell at all times be 11o8Iledl
I
by the peapee etata authority, the ooet of euoh ll-
WASO ti also the tupeneo Lnaidont to the ieruo and
dellvery0r euch polfcforto be borw by the first
F-tY.
ty may report for cencellat~on, 1.
i
~awh polley vi11 be oawelled by vrltton notice to
lwh polloy-holder, end Grcdlt in the twmant or $1.10
r0r awh polluy ehall be givtm to raid Sixat party.
%%ii agroawnt is made eubjoct to the condition
that the seaad party &all COAtiAU6 to bo liccnecd
to do buelneee in the territory nov cirhorcattor cov6r-
06 by this 8&X-WWAt aAd #hell have the leGa rl& to
eorry out the provielow hersoi.
*Ifi UXTtfZZSWiBRECF,the cald Siret party hoe
hereuu&r met him hen& on4 the tti coaoad pirtg bee
caueod theee preeonq+ to b6 executed in dupllcstc, by
Kaager of Q-ii Spooitil Elow,pqx3r Travel
art&t, or by en offlcor of aai6 second
&By Of &tAURr)T,l$tl.
l%O.RTE
AWBICM ACCIDEBl!IWXiiAi3CECW?AIiY
(J
BY -
liuAorabi00. P. xmkhart, pa66 27
-You ha+0 submitted a number 0S qucettone fn’your in-
qulry, a8 ehou~ above. Hawaver, We thbk that t.ho riwt quee-
tlon to be dsterdwfl Is vhothoatbo nevegapore Involved wuoh
are peIocrto awpamtl0r.m are agente 0r ws above ma iar~-
anou oompanlee. If tho above nemd neuepqere are a&eats of
the hsMt0toreLulElod fnrurance 00q~Os St trill not b0 &cc*-
naryto aAm?er of dfeouee the other queetloiw aubcafttsdln ye
lalqnwyr``~
'tilnsura`` agent, so rm au the lneurw is comerA-
ad, 18 8 reon exgroeely or lmplledly autborizcd to rep%wOAt
.1t 3.na0Au vlth third poreone in nattee rclat~ to S.IISUF-
geei (ClCyh OA SAeurawe, Vol. 2, !?eo. 466; fozac Jur., Vol.
8. l
Actfol&5&6, Vernon@8Annotated Civil Statutde, pro-
vides Lo offoat, 6hat ang pareoa uho eolialtr 3.neurancoon be-
&elSoShnylneuwmee cecpparry,whether lzm.r~oratedurn%r the
3aoe 0r this or aay other state or r0-3.g+p govermpltlnt',op uh0
takt~ or twWnIft8 Other thszl rOr haf?df fXQ appuCatiOA fOP
io~urawoorenypolicy 0r fneuranceto or Srcl;l?mwhc~.
or who sbv8rtlcee or othormlre g:vec not&e tbst he ~211 re-
colvo or trawait 6he mew, or who &all rocalro or Uullrcr Q
@lay oi lneurawc OS any such Q or who shall examIn
a- inspeat ay rlek, or recuLw, -or O-+-K*
00 lea, or tremalt cnp pre-
~UQS``~IIOIIP~QW 0romlra 0 r0rvardang dsepm0rany bti1dm.g
or bulldfnge, or do or porfomwany other act or t=iing ic tlx~ mek- -
iog or ccnswwt~ 0r my contract oi ireurazlcc for or pith city
euch lneoraxaso co``eny other then SOP himolf, uho ehhsll osanlne
j.nio, or ad+t or 8ld la edjuztiq any loee for or On b6holf of
m IneuranCo cm, shethtw any of euch actw ehell ba dOZl8et
the Iaetanco OT requm6, or by the fS?i&?lO~At of auoh $.AQursLlQO
cosrmnpor OS, or bo 6ny lx&w or other pqrerm, shell be held
to be tbs. SSefSAt OS .the eoqpa~y for uhLch th? act is EMU, or
the rirk Ie taken, ae Ser UP relritee to all thO lisbilitiee,
gutita, requlrecfxitr, an3 pmoltta3 net fort23 in the Chopxr of
vhich hrtlcle 5056, aupra, l.0 a part.
By the provfslo`` OS Article 50G4, Vmnon*a knotat-
a Clvfl .%tatutoc, LW aorpcwatftm or atoak cozapanyoan ba &rQAt-
td a llioonoe ho aat am agentfor ltf0 inewance.
ArtIols 5W%b, Yernon~s &nnotecoQ Civil ~tatuteE, is
rgplloabls regarding the liceaal~ OS ogente for life 1awurR~Ce
~Orspanieeraoeldsnt ineuramar ooqm%os, life and aaoidemt,
&LrtlOlO5os5, VernoIA’s AAAotated GlPil !?totut6?r;pr0-
dder in emtot that it shall not be lawful for any person to
oat within this atote, 6s ageat or othervlao in solicltlng or
~elvioig applioatloar for lnwmnoo or any kind v&tever or in
w aummr to %id in the tranaaotlon or the business or aa~ in-
~IPIUKJO um inoorporated in thla state or out or It, uithout
Curt proour~ 8 0ertiiLoats or aatharity rzxm the omiahoiorr.
fbr waa6l o&6 ale0 provides th6t aa unll.oenaad agent who shell
r&oit laeur6~0% shall bo subject to a fine (Artlolo 572, Yer-
aoA’* &AOt%tQd P-1 &de).
./ &tiOlO fj68,VOrmon'r 1LoEotat04Fen01 Co40, dofinoa
ltmAWtO0 @pntt in prrot%38lly the 8amolangaagtt aa Article
5056, V``AOA``lrrnotat6d Civil Btatuter.
Article 5706, Vor~cua~cJbmotuted Pea61 Code, providea
io orsot that my p~ereor;vho ch03.l eot 89 a xfe, hesztb, QP
~ooibent krst~'6~e ta@+nt vithout hnoi~& flret obtairtcrd 8 ll~anee
as provideii by law, or ubo r&n11 eollolt life, health or atot-
&OAt IA~UWAIJO Or OGt CL1R life, health Or aooidmt agOAt Wtth-
out having boem appolntod or deilgmted br lmo duly aubborlrod
ur6 ~WJSWAOS oolppang,60Oi4Ont a2ttu~mc8 c03p2y; iire 004
loofdont, health nnd %OCidOAt,or life, health aad Acaident in-
eurauo4 ooeqxny, or aeaocietlon, or orgsnlzotions looal mutual
aid aesociQtMn, or statevido mutlinl aescolation to do zo pe
provided by lav, or cny o*&w per8on uho shall eollalt, life,
&ealth Ol’ecoident inMrQnCe or Sot &.Bt@OAt for SAY y~ncm CC’
lArur%Aoe ouxp%nyor asroofation not eutboci~ad to do bii3%AeRS
j.~ Teraei or cay ofiiaer or repreeontatlvs 0r 8~7 life i~rurar?ce
ocsapaaf, eoaldeat im!ur~ae company, life and ecofdent, health
ad .%ODlddAt, ok’ufa, health &id aocldsnc insummoo C&‘$eny OF
aonornblo 0. P. ldehart. paw 23
usoclatlon,~ or csr&kml8atlan, lOC8l mu:ual aid armolation, or
rtetevlde rmtual oesooiatfon uho dotm not hav% a valid and out-
&au4Ing lb&o, ar providad by law shall be guilty or a&ede-
ObQnor,and upon convlotion, ahall be ifned any CUBnot &o%od-
ipg &00.00 aA hall bo bwrad rrom recofv%ng the 1iOOASQ U@.Qp
&mtxmoo agm for a psrlod of at least two yeti--a.
*
Comlderlng Artlcleo 5062a end 50&b, ~upro, recalat-
.m th0 ~,iOUUing Oi &Xlll rUOOrdini; tt@Iiti7aAa COlitXitOrE, to-
~@hor vlth Article 5064, Yemo``t! Anaotatod Civil Statutoa,
pvoblblting aoqmratlonr. and rtock ooqmaloe f&m oatlag da
WAtS rOr urCI iJIUpFUW0~it 18 QQ6IWAt that C CO~pO``tlOII
'damtot be lioonre4 ae an Inouranco agent in thlt rtato.
It oIU bo noted that the agro%wmt or coarractbetvreen
& Inter-them!-Casualty Cw and tbo h. U. Be10 Coryotiatioa,
that. ths lneurence companyconstitutes t&e publleher it? deposl-
tory to rem8lve, 0oUeot and account to It for 3llpromLua~ real-
&red i’rasiraid aevapapcm aubrcrlbbors ~AU readere upon mid volt-
010s of i~mruranoo 80 prwurad under the a~oneorchip of t&o
publIehor . 'It will be noted that tb% ccntraot or agraonxentbe-
tueen the Iiouatm Prlnthq3 Corporation and tlxo Barth Amenicon
Aocldent ,InrUranOOC-y ttst the publksher OF @Atlaq torpor-
otlon agrose vfthln 24 hours tmer the receipt b;' it or such ap-
@mitkSI t0 i@W t0 lth8 appifO8At & FOliCy Gf t&t3rO= ~&?EtioA-
ad, itch poller to be dated as to the date of Incue, and wlthln
24 h0Wr rXWI tha d8tO Of iWViAOO Or SuOhpOiiCg t0 to
!!toAli
the @t#eond pirty tb0 6``lIts.BtioA thersfor, Upa~ ubiah Qafd ep-
pltoutlou #hall be not& the ztmber of' the polfcqr itwucd~tz ruch
mider or eubcor~btw and l
de date 0r m~.e or euch pollay.
The pxbllehor agroce to oolloot the full IxkltIkl prero-
laiam or thirty-centa 011 all A%V policies leauod L'roz the 25th
day or eaoh mo~tb to the 24th day or the next ecscoadhg m&h, ,
both IneluSive, and pay sold liiltlal premiumon a net baair of
2~1-833COAtS to iald seoond perty In ChIaago, Illlnol!+, 09 or be-
SOPO t&43riClrt dag Of the fOllOUlAg aOAth.
A slnilnr provfnloa ie ccntoinad lo tbo propo~cb agree-
IT&AC or wxtraot betvtwm tlx 3~53 iU22als LQbt of 3x1 Pm.tonio,
Polioa, and the Xorth AmerIoa;l AcoIdmi Iamwor~ce Cmpany of
Ghicego.
Apparcmtlg the agruemmt or contract tmtueon the Xoua-
ton Chroniale PublIah5.n~ coW@dny and the ~d&l~tOA i&tiOAAl
i..
Bmor~ble~Q. P. &olrbarL, JMJ#J
30
4
Yneurtkuae O&any ooritaixm no Drovlalon vhiwu the @O.Lsher a
OOlbOt a &NWIiUlQ thercaon. Iiwever, the pub-
1 g r W l p OlfOy W
lUhea agree8 to epowor the plan or erfcrutlnz inruranco on lt8
rasderr and rubbroribeowand in 6lfeat sollcltc inmmnae by m
wiow a4?ertimmntr reQulred by the aontmct, for -the Vr(r&-
lagton F&ttiowl Iwumnoe Compuay.
the daxrlition or bmxr~e a&@3Jlca08 rut
, Vernen*a hnoteted civil statutes; aad
&ticla 560, Vernon*8 Annotated Penal Code, ~0 think, that the
&we rimed ~ublishtrrr me e#onts 0r the oaldcua JlcltmaInwlmllcQ
ompmnlas ar thm yard “agent is deirined In them3 wtlcloa. And
(ICabovo et&ted a aor~oret1o.u cennot be litmnsod II@se k.mmnco
agent l.n thlr etato. It ks our furthw oprarcc that the ebove
d DUbuaw oceq~(LDIe~,acapt the -81 Antcnlo "@&vhl.U.h
&M not executc;il the above acntrmct, 611 uhiah am
atiow, 6ro unl.euirtuJ Wtirq ae m&mm of the er ove mmd -
!iz UMWB oclrrgrales.
We em mturning hcruwlth t& pbotortatio ~oplco cf the
&cm &e~%tloned:auntracte 3.n ctxapllanca ulth pw roquoat.
As it 18 oar opinUn that the abova rimed publj~r:zI-x
awpniea, aoapt the Tan Altc;ClO X&hit, @iW lE?``WXll~ Psi.-
lr the s&mts of tb heMtoforc ;I- ineurcneo ccq?tn:.er,vu
do not tlaSn&that lt ir necseserj to paoe upm 223 oddi8:ti3ml
progoeltlow contalzmd la ycur sh~ulry.
YOUZ'Qvery truly
ATTOZHLY GkXW& 03'TiZA~
1: ;,.;:.i:
~...'.
" (,~.,
; 'l'..$;~...i
.:..~ Ardel3 Wllliem-
nas1etent
LSrdb
Enolosures