The Bismarck Tribune Newspaper, November 5, 1921, Page 8

BXPLAINS STATE HAIL INSURANCE WORK THIS YEAR Manager of Department Details; What Has Been Done in the Season of 1921 HEAVIER THAN 1920; \ First Year in Which Additional] Insurance Was Permitted Under Law LOS: Hagen (Department: Manager’ The levy for Hail Indemnity ‘Tax was made on October 27th after enough figures had been gathered, = and partial recheck made of acre- age insured and amount of. indemnity allowed. was e@X- pected the Hail Tax comes a good deal higher this y yn account of the increased number of losses. In 1919 the Department had, between twelve and thirteen thousand claims for indemnity; in 1920, fourteen thousand four hundred (14,400) claims and in 1921, over twenty one thous- and sixty (21, 060) or an increase of s thousand six hundred (6,600) ims. The average amount allowed By Martin NO DISS EME SENT While the world talks about throw- ing its weart way, ard College a resurrecting an cient implement of warfare. But their bows and arrows ere used in inne archery contests and, Tell, they shoot at inanimate targe Miss Helen LaPage is an adept art er. per claim ig somewhat smaller this] ar than it was in 1920, However, such an enormous increase in} of losses, the total indemnity | ily must be gi , found nece acreage tax of 44¢ per acre} 7.00 per acre protection, and! 19 cents an acre for $3.00 an acre ad-| ditional protection or 63 cents per} acre for the $10.00 per acre insur-; This in addition to the 3 cent} per acre flat tax levied on all tillable! land in’ the State, excepting land within the platied portion of any in- corporated city, village or town, and; tax free lan ch as Indian Lands! and Homestead Lands (not patent-| ed). The total increase will thus be; seen to be 19 cenis per acre, which of course, is quite an amount, but me with number necessi there ance ter all the Premium for the insurance is only 6.3 per cent and jt is after} all only a matter of what this rate is| compared with, whether it is high or| low. We understand that the Private! Hail Insurance Companies are not making much money this year on the rates they charge which are all the way trom 7 1-2 to 14 per cent, de-} pending on what part of the Statel and what kind of grain. The only | mutual Hail Insurance Company in} .the State, (besides the State Hail | Fund), is the Alliance Hail Association| of Jamestown, and their rates, informed, are this year over 12 per cent. ‘Nobody regrets more than the management of the Hail Insurance Department that it was ne: increase the Hail Indemnity after all the premium’ is: in.certain cases less thar one-half of what the same protection could be had for in any other company, so there is no reason to be pessimistic about it. We really do believe this has been an exceptionally severe hail season, and trust that next year a 25 cents levy will prove sufficient, as it did in 1919 and 1920. The fact that the last legislative as- sembly made a provision whereby it is made possibe to create a surplus within the Hail Insurance Fund in order to pay losses more promptly promiseg to be a great boon as the only serious drawback has been the inability to pay losses promptly. The 3 cent flat tax will now for five years, 1921-1925 inclusive, be put into “a surplus fund.- This, by the way is an additional reason why the levy had to be made higher this year as in 1919 and 1920 the $30,000.00 derived from the 3 cent tax: was used for pay- ing losses direct whereas, now the Hail Indemnity Tax alone must pay for all the indemnity. This alone makes for an increase of approximate- ly 7 cents per acre. It should be borne in mind, however, that after the Hail Insurance Fund has once been built up, the fact that indemnity for all losses will then be paid in the fall will more than make up for the 8 se the 3 cent flat tax for five years; as after 1925, the 3 cent tax will be discontinued. Certifying Losses The Department is now certifying the losses and for, the following counties the lists,are completed and will be in the State Auditor's office by November 3rd: Adams, Barnes, Benson, Billings, Bottineau, Bowman, Burleigh, Burke and Cass, and war- rants will be sent out about the first of December, if not before, not only for the above named counties, but for every county in the state, if possible. ants draw interest at 6 per cent om December Ist till they are call- ed for payment by the State Treasurer. The State Treasurer handles the for Hail Tax must first be made. The Departmen wiil be giad to answer In- quirics ‘regarding amounts. deduct- ed, but as there are thousands of claims we trust everybody will Cry to figure for himself what the tax amounts to before writing the De- partment about it. There is no doubt that the a ry much better work this year in listing the lands tor Hail} insu . However, we have found jt} few ca) again thi: ar Where Jand sted according to law, and on} vhich claims fcr indemnity had bee! fled. In such cases the Department has no right to pay indemnity ac- cording to the of the Supreme Court. Items of Expense The greatest item of expense for} the Department is ng of los tment this year will be between 4 5; this is a slight decrease from last yea of what it considered to cost the p companie: ratio of overhead expense to receipts will be about 8 per cent and of overhead to ses, 3.4 per cent. When it is generally conceded that the expens .of private insurance compames run between 25 per cent and 40 per cent and our expens are less than 3 per cent, we leave it to the public to judge if money can be saved by a big Mutual, like the | State Hail Department. The Counties that suffered heaviest losses this season were, Williams, with over 1,600 losses and an indemn- ity. of $450,000; Dunn, with over 1,200 losses and indemnity of $400,- 000; Richland County had least hail, only 18 losses, with $3,500.00 indemn- The following list of losses for each County is as correct as it is possible to get it at this time, but as it is ex- pected that some claims will be can- celled, on account of and not being insured or withdrawn, the total idemnity will be somewhat less than these figures show: The counties and amount of indem- ity for each follows: Adams \ Fiarnes Benson Billings Bottineau Bowman Burke . Burleigh Cass .... Cavalier Dickey .. Divide . Dunn oddy Emmons Foster .. Golden Vall Grand Forks Grant . Griggs Hettinger Kidder La Moure Logan McHenry McIntosh McKenzie McLean Mercer Morton Mountrail Nelson Oliver Pembina Pierce Ramsey - $ 18,894.42 1 742.92 65,126.10 79,834.66 48, 053. 00 400,420, ie 130,845.22 38,562.84 43,982.20 76, 508.30 3,710.16 a 000.37 78,594.10 36 17,782.19 66,815.68 40,698.85 aes 3 Ransom : Traill : Ward « : Wells girls of Barn- an- cout unlike William ; Congregation ni “With harrowing memories {than ten million men who laid down! new law and opinion per ad-; math of bitterness. | hate which perva t and about half; {unmitigated cu Thei 1 241.20 Renville Richiand Ro.cite Sargent Sheridan Sioux . Slope . Stark .... | Steele ... Stuteman ‘Towner Walsh . 46,9) 73,957. 94,444, Williams $4874, 60. 29! Number of acres insured. with the! | Department this year was 11,432,- 882.06 for $7.00 an acre pgotection and 7. 0.65 for $3.00 additional The total risk carried by the Depart- ment was thus $82,240,230. 7, which, we belicve, is about times greater than thac carried by companies together ness in the State th doing hail busi- ear. CHURCHES HERE JOIN PRAYER ON DISARMAMENT, Will Follow Call of Council For Success of Conference Call- ed by Harding Sunday are tg unite in pr for the suce of the forth sarmament conference at V She Federal Council of the Chure of c hrist in America has issuefl a tor pr and consecration to the churches of the Un States and Canada for, the conference on limita~ | Con of armaments. things the call of Among other, Says more their lives in the awful holocaust from which we have just emerged, of the countless homes bearing burdens ot anguish and suffering, of the deso- ‘Jation and pestilence that have sprung frem the war and still ravage whole peoples, and most of all of the afte suspicion and de all lands, let us insist far more vigorously n we have ever done before, that war is an + to humanity and a denial of the Chi jan Gospel. Let us y that in every war, the put to shame, enew and ADVISES CARE FOR BATTERIES Local Advises Vesta Dealer Auto Owners Car owners have found that it pays to give their battery special care during the winter months while their car is laid up. The common method {s to leave the battery at the local station, request: ing:wet storage. The service station then’ keeps the battery watered and puts ft on charge from time to time, storing .in the meanwhile at a safe temperature. The advantage of this method is that the battery is always ready at a moment’s notice, but in- asmuch as every storage battery is an electro-chemical comb‘nation, a certain amount of chemical action is always present under these condi- tions, and the life of the battery is somewhat shortened, A far better method, according to Mr. Churchill, of the Lahr Motor Sales, Co. is, ta open the battery, take out the plat; y. All chemical action is thereby sus- pended.and the battery is ready f¢ many new cycles of life when it is reassembled in the spring. With this dry storage method, the battery can be forgotten during the winter. When it is - reassembled, new separators are used, but.the slight ad- ditional cost is more than made up by the longer vice received from the battery. Owners should remember, when they have their batteries in dry storage, to give the service station a few days notice in advance of the time they will want their batteries. This will give the service station ample ‘time td reassemble the battery, and thus have it ready at the proper time without any inconvenience to the owner, Vanadium was discov Swedish chemist in 1830, by a Hail Insurance Fund, and makes pay- ments on warrants drawn by the State Auditor. From reports, it appears that some people in the State are un- der the impression that the Hail De- partment is responsible for the non- payments of the outstanding Hail Warrants. The ‘fact is that nobody can help it. The County Treasurers remit to the State Treasurer all Hail ‘Taxes collected for the month, and the State Treasurer calls for payment warrants to the extent of such col- lections. If all the Hail Taxes had been paid in, the State Treasurer would be in ‘position to call in every outstanding hail warrant; as it is, he must naturally wait till more money comes in from the different coun We understand that the v for Logan County are the last called, this up to and in- The new Hail Law, Section 10, pro- vides that the Hail Tax is to be de- ducted from the indemnity hefore are issued. Thi: indeed provis‘on but entails an end amount of work for the Depart- . aS over 21,000 claims must be ked and taxes figured on ev- description of land in the State. red with the Department and on which there was a loss. If naturally follows from the above that the war rants pwill not be in the amounts the ptddt ' of ldbstvhils for as deductions n Wil less . PLAYS A DEATH MARCH This de with bullet It's motor New York gun at Seagirt, } vice whirls around like a phonograph disk, but \it plays a tune ey 3 a centrifugal machine gun, smokeless and powerless, and res 1300 small balls a minute which kill at 2000 yards. arried en the rear of an auto truck. Col. It is operated by Edward Olmsted of the ational Guard ‘is shown demonstrating it as an anti-aircraft | HIDDEN HERO 55,007.44 all the private} a Novemher’ 9, THE BISMARCK TRIBUNE | Woodfill’s light 2” @ Dushel” till Gen 1 Pershing, digging through musty files, draggzed* him into the spotlight. He,picks Woodfill as the hero, even ahead of . Indiana soldier will represent the in- fantry at the burial of the Unknown Soldier. Sergeant Samuel ALLIED BODY TO GERMANY Reparations “ Commission Will Study Conditions There Paris, Mov., 5- -(By the Associated | Press)—The entire reparations com- mission including Roland Boyden, the unofficial .momber of the _United States, will feave for Berlin next Mon- day or Tuesday. ion will remain in the ol two or three weeks {9 inves sures by which Govmany. may procure the necessary. funds to meet the’ pay- 90,009.000 gold marks due January 15, 1922. It also will investi- gate the causes for the recent depre- ciation in the value of the German marks, AT THE REX MONDAY | An excellent program is being ar- ranged for. Monday and Tuesday. “The mted by the Rainbow Girls a tabloid version of that famous the statue comes to life. Jn this ver- sion .“Zuleka” is the Niobe and the skitis brim full of good wholesome | has “813,” written by the famous Fren SATURDAY, NOVEMBER 5 can be-made comfortal the same as warmth at own an ‘ Only $1045.00 F. O. B. Bismarck Easy Terms. LAHR a pane of glass than when spattering ia your face. WINTER MOTORING. ble and convenieat. Warmth en route is possible just home or in the office. Rain or snow look better through The way to. find out is to Overland 4 Sedan The most wonderful value in America today. MOTOR SALES CO. day night, Nov. 11th. 7 ; jeka is:the statue, the pride of an ar-| dent collector of nude statuary. The | collector sleeps and in his sleep he dreams his statue comes to life. The wife appears, se2s Zuleka in her abre-} viated costume and becomes enraged The plot is full of just such situa- tions. When they measure Zuleka ior a modern dress you . will s«ream, When tho collector attempts to ex- plain—oh, well, it is extremely funny. totxcous costumes, interspersed with appropriate songs .a-n_d, dances. All in alla dandy tabloid. The feature picture is “813” peak points of Mystery, Love and Humor. There is mystery aplenty in “S13” featuring Wedgwood Nowell. Here is a picture which, according 19 critics, all the necessary elements 1e-) quired by a first class photo-piay anl| is the-efore deserving of the suc it has achieved. The story is a screen! adaptation of the Arsene Lupin nove! | ch author, Maurice Leblanc. The sto: of the play is steepe] in myslery ind full of action. A triple murd3r mys- tery confronts the audience at tke very outset and the ingenious in which it is solved furnishes real punch of the picture. . Three; crimes followed in quick successivn—- the coroner said Lupin yas guilty. The Chief of Police - replied “Lupin| does not kill.” The murderer was in} the room, Who was it? There will also be a sido-splitting two reel comedy. No pivance in prices. HILL INTERESTS MAY BUY ROAD St. Paul, Nov. 5—Purchase of the Portland, Astoria and Pacific railroad in Oregon by the Northern . Pacific Pe and at Northern interests is being laughter, «It. has fhe atmosphere of the Libyan and Thebian deserts. Zul- arranged, it was pea} here, accord- Confidence that all of the people | cons of Bismarck 1 join in both the spirit and the act of the two-mi ite silent tribute to be paid on Armistice Day at the time the body of an Un- known American soldier killed in the World War is laid to, rest in Arling: ton cemetery, is expressed by the; American Legion committee. Following is a description of the} funeral ceremony which will ‘be held| in Arlington cemetery on Armistice Day: . Washington—-The most impressive and solemn military funeral in the history: of tthe United States will’ be} that he\d in Washington and at Arlington cemeter’ November 11,| the third anniversary of the signing of the armistice. This tuneral cere- mony will mark:the burial of an un- | 2 identified enlisted man,-one of the} 4,765,071 who served in the United} States armed forces during the World | war, The mili honors accorded this ‘unknown soldier will be those pre- | scribed for one of the rank of a gen- eral. Body Must) Be Unknown | The quartermaster general of the United States army is charged di- y ly with ‘the responsibility of se- lecting the body trom among the; unidentified American dead in! France. Under orders of the war de- | partment, the selection must be made | so°2S to: preclude, any possibility of | future iden tion as to the name, thecrank, organization or service of the upknown dead, or the battlefield | upon whith he fell. The quarterfiiaster general will deliver the body to re-| presentatives of the American army | and navy at the port of Havre, France. At that port it will be taken in charge! ya rear admiral of the navy and ported in the Untied States} r “Olympia” to the Washington | ard, whére it will arrive on 1921, after dark. At the Washington navy yard the body will be received by major general of the United Staies capitol, where it will lie in state in the rotunda through- out the day of November 10 and until the hour of 9 a) m. Novembe Impressive Military Cortege "At that hour the body will be moved to the amphitheater ai the Arlington national cemeter The body will be escorted by a battalion ee U.S. field artillery, a squadron of S. cavalry, a combat regiment of compe of one battalion of S. infantry, ene battalion of U.S. ailols and marines and one battalion | of the national ‘guard. The cortege will be headed by the United States | marine band, The pallbezrers ye G LAGION CONLYTTEE CONFIDENT ALL CITIZENS WILL JOIN INTRIBUTE consist of eight general officers of} the United States army and four ad- mirals of the United States navy. body itself will be borne on a ¢ son draped ith the American flag. The: route of march from the o the cemetery will be lined on both les. by United States, regular, in- fantry stationed -at.an, average ..dj tance of one man every fi The president of the Uni | will meet the remains at the amphi- theater of Arlington national ceme- tery and deliver an oration in com-| memoration of America’s dead in the: World wa Whole Nation to Be Silent In accordance with a proclamation} yet to be issued by the president of! the United States: all industries andj es of all kinds within the con tinental limits of the United States will cease from 12 o’clock noon to} 12:02 p. m. eastern time, Nov, 11,; | uring which two minutes. all citi zens ‘of the United States will be! requested to observe silence and to assemble in places of worship to do} honor in memory of the dead. In addition to the military escort the following persons will be invited! to attend: (2) All living holders of: the Medal of Honor; (b) One rep- resentative for every 10,000 enlisted; men of the World war, such repre-! sentatives to be selected by the gov: ernors of states and territories; (c): One member of the American Legivn, from each state and territory; (d)! One member from each of the other! permanent war veteran societies and! organizations; (e) One officer and} one enlisted representative from each} br randy of the service of the army. and | ‘Pres At. the amphitheater, where the! president of the United States. will deliver the funeral address, will be the diplomatic corps and represent: tives of the military and naval forces ; of every nation representated in: Wash-) ington, with special honor accord-| ed to those who represent the allied | nations with which the United States! was associated in the World war. In addition there will be the for- eign delegations which will have, by that time, assembled here to attend the conference for the limitation of armaments. It was intended to open that conference at noon, November, 11, in commemoration of Armestic day, but this plan has been changed | in deference to the ceremonies in! honor of the unidentified enlisted sol- dier, who stands the symbol! and; type of all American men who made! the » supreme fice .during the; World with” Egyptian | p | of the meeting to be held in the high Remember the American Legion Musical Comedy, “Look Who’s. Here,” on Fri- o'clock. Group,,. grgenization will be ing to the ‘St. Faul Dispatch this af- D sitbject for digerissjon. ternoon. zotiations preparing the wey for closing the deal are being held this afternoon and _ final cont between executives interested will be held soon, Expert. “Accountants. Busi- ness Service Co., First floor, Hoskins Block. Phone 662 A locomotive out of service fur a week costs $2000 loss to the road. ‘Enters Hospital f Karl Rinneck of Mercer has entered the Bismarck hospital for treatment. Return to Homes Miss Lena Schultz of Rosebud and Matt Schmitt of Mercer have returned {0 their homes afte: being confined to the Bismarck hospital. j Who Uses Willard Threaded Rubber Batteries? It would be a goad deal quicker to name over the .car-builders who don’t. For the great majority of builders of cars and trucks have selected. \V Willard Threaded. Rubber. Batteries.“ You'll find them now.on 173 makes. __ The ability of Threaded Rubber. In- sulation to resist cracking, warping and puncturing, and therefore to give more miles of uninterrupted service per dol- lar, appeals to the builder as much as the buyer. When you buy a new battery it is worth your while to look into the bat- tery that has been selected by the best brains of the automotive industry— the Willard Threaded Rubber Battery. ‘We can fit your car from our com- olete stock. Willard Service Station 408 Broadway. ! Boy Leaders Meeting Men who are to assist in the leader- ship of the boys groups are reminded school Sunday afterroon at 2:30 Have us keep it in tip top shape with our careful charging and com- petent attention. You need a powerful battery for cold weather—WE will keep yours in A-1'shape if you avail yourself of our UNBIASED, WARRANT- ED DEPENDABLE _ SERVICE. EVERY MAKE handled — COR- RECTLY, Electric Service & Tire Co. 215 Main Street Chevrolet Features Light Weight--Correct Balance. Valve-in-Head Motor. Powerful—Economical—Dependable. Low Gasoline Consumntion. Unusual Hill Climbing Ability. High Tire Mileage. Most Economical Tire Sizes. Eager Acceleration. Over Wide Speed Range. Ease of Control and Operation. Mechanical Accessibility. Selective Type Transmission—Three Speeds Forward, One peyeres and Emergency Brake, all, Hand Controlled—i'oot- rottie, Complete Equipment. Including Electric Starter and Lights, Speedometer, Demount- able Rims, Ete. Low Price—$525. CGORWIN ABTGR CG, Fire-Proof Storage for 125 Cars Five big doors at street level. All night service. Private stalls. $8.00 a month. Why pay more? CORWIN AGTOR CG, pera