The Bamberg herald. (Bamberg, S.C.) 1891-1972, August 10, 1916, Page 6, Image 6
I
GOVERNOR MANNING'S VIEWS.
SR&V' '
*
Next legislature Should Revise Insurance
Acts to Meet Requirements.
(The following letter from Governor
Manning to Mr. James A. Cofield.
a leading insurance man of Spartank:
burg, was given to the Spartanburg
Herald by Mr. Cofield for publication
and appeared in the Herald of recent
date.)
Mr. Jas. A. Cofield, Spartanburg,
8. C.?Dear Sir: In reply to your
inenrflnpp! Rlt
inquiry EUUUl liic uic axaouawx-ww
?& ! nation of South Carolina and my atfe$
titude in respect to same, beg to adlj;V
vise that prior to the convening of
y t the last legislature we heard quite
a lot of discussion relative to the fire
insurance rates in South Carolina.
I During the session of the general as|
nemhly this discussion took the form
K-y of bills introduced in the house and
|?y senate. It was claimed by a great
life'; many people that fire insurance rates
fe- in South Carolina were excessive and
_ jhat discrimination was practiced.
V The cause of this alleged discriminant
r tion and excessive rates was said to
have been because of an alleged comhination
among the companies sell-1
Bp&y./ ing this protection, and that this
ffe combination had entered into a comH&fe.''pact
to control the fire insurance
If business in South Carolina, inese
discussions and statements resulted
\ in the passage by the legislature of
what is known as the Laney-Odom
:>, anti-compact law. The Journal of
the house shows that this bill passed
the house by a vote of 57 to 31; and
. in the senate on final passage the
*/' rote, according to the senate Journal
J " was 33 to 3 J This bill was then sent
to me for approval.
Given a Hearing.
[ v Having been requested by interest^
ed parties that they be given an opportunity
to present arguments for
and against the approval of this act,
I fixed a date for this hearing. Quite
1 a number of gentlemen interested in
'the insurance business appeared at
my office and presented their arguVments
against the approval of the
wet. On the other hand, the insurance
commissioner, who is especially
CJharged with the conduct of the in,
'inuance department of the State, pre
seated arguments favoring the approval
of the act. I listened to all
.arguments with an open mind. I
learned that practically the same arraments
presented to me against the
IL approval of thi6 act had been prem
Piously presented to the members 01
L- the legislative committee before its
.^passage. It was stated that in case
fe the act was approved, it was generally
believed that the companies woula
" withdraw from the State. The in|
^ eurance commissioner gave it as his
|I;:: opinion that this would not happen,
||S hut in case the companies did withdraw
he thought that other com;;
panies could be induced to enter the
8tate for business and that there
would be no serious interruption
along this .line. I did not deem it
vv my duty to decide whether or not
k' the companies would withdraw. The^
pg. only question before me was whether
or not some valid reason for disap
proval had been presented to me that
||p. ifras not known at the time the act
was passed. The legislative departf,,
ment enacted the law, and unless it
v ? could be clearly'shown that the act
was " unconstitutional beyond any
question or that the members of the
? - general assembly were not in posses
BBS) ?*on ?* *ke ^acts that were presentea
to me, it was clearly my duty to ac||fe/
. cept the judgment of the large maB&jpy
jority of the members of the general
lite assembly and sign the act.
tepw- ?-?>> .
. I did not deem the arguments
against the approval of this act of
8?jp;." such nature and strength as to conPp
; vince me that it would be improper
for me to sign same.
His Idea of Veto Power.
|&i| . , I do not deem it proper for the
r-fe ' governor to refuse to approve an act
jpfe;1 because of his personal opinion as to
Bj&\- its wisdom. The governor should
have due regard for the wisdom and
&yV . action of the people's representatives
Ppf;V; '' . ill the general assembly, regardless
of what might have been my peril'-,
sonal feelings to influence me in the
g|performance of my oflicial duty.
Since the approval of this act, I
have found that the predictions of a
p number of people that the companies
would withdraw have proven correct.
Practically all of the fire insurance
conmanies have withdrawn from the
State, only a small percentage remaining
and renewing their licenses,
I recognize the fact that the agents
of these companies that have withdrawn
are suffering financial loss by
reason of the fact that their busi
ness has been disorganized. I realize
further that possibly others have
been embarrassed financially by reason
of the fact that they have not
been able to secure adequate insurance
protection.
Talks With Insurance People.
Some time ago, while in Washington
on official business in connection
with the war department, a gentleman
whom I knew personally stated
that he "would gladly arrange for a
BBS ' with thp nffififl.ls nf snmp I
of the larger fire insurance companies
in &ew York, and I requested him to
sp-.. '
<.
v,- -/ ; ; ...
do so. I then went to New York
from Washington and conferred with
these gentlemen in reference to the
situation. I found these gentlemen
very frank and courteous in discussing
this matter. I found that they
felt that as a business proposition
they could not continue to do business
in South Carolina under the
present law. There seemed to be no
disposition on their part to punisu
the people of our State, and they
were very frank to say that, while
their business had not been profitable,
yet from the standpoint of sentiment
they disliked to break their
agency connections, practically all of
which had been personally pleasant.
As an evidence of the fact that they
did not wish to punish our people,
they stated that they would not exercise
their right to cancel the policies
that were written and in force before
their withdrawal.
Has Plan in Mind.
My position has been that, inasmuch
as there is so much complaint
as to rate making, it would be but
a proper step for the State to maintain
a fire insurance rate making bureau.
I have carefully wrorked out
a plan along this line. As a matter
of fact, the insurance laws of South
Carolina should be completely revised
and brought up to the requirements
of modern business life. In
recent years other States have given
great thought and study to these
questions, and have revised their insurance
laws in such manner thai
the companies and the assured are
given full protection under the law,
and all parties look upon the mattei
as strictly a business proposition.
This is as it should be. Fire insurance
is a business matter. A com\
pany sells indemnity against loss, and
should charge therefore such price or
rate as is equitable and just. I am
unalterably opposed to any combination
in restraint of trade or compact
to control the price of any commodity
upon which the public is dependent.
Fire insurance rates should be
in accordance with the losses and expenses
incurred, together with a reasonable
profit on the investment by
the stockholders, at the same time
laying aside a reasonable amount
to privide for conflagrations.
We have learned that drastic legislation
will not accomplish good results
unless such legislation takes into
consideration sound business principles
upon which a business should
be conducted. I favor laws that will
prevent combinations or compacts.
A State rating bureau properly con
ducted by competent business men
will solve this problem. The insurance
companies will in my judgment
be glad to return to the State under
such a bureau. When the insurance
laws of South Carolina are revised,
i
I suggest that the recently revised
laws of New York, Pennsylvania and
Kentucky might be used as models
on which our laws could be based.
The so-called valued palicy law now
on statute books of South Carolina is
in my judgment an incentive to in
cendiarism and a protection to the
dishonest man. This law should be
repealed promptly and I shall so rec1V?
AW /I
UIIIIILPUU.
Reduce Fire Loss.
One of the greatest problems before
the people of South Carolina today
is not so much the securing of
insurance as in the reduction of the
fire losses in the State. Fire waste
in South Carolina has been greatly
increased year by year. This can be
remedied by the exercise on the part
of our citizens of more care; and
more rigid inspection by the firemen.
The exercise of ordinary care
will prevent serious fire losses. It
is so much easier to prevent a fire
than to extinguish one after it is begun.
Property that is burned is forever
gone, and the insurance collected
does not replace the property, but
is merely the contributions from
others who have not sustained
losses.
I expect to hold another conference
with the insurance officials the
latter Dart of SeDtember. and after
this conference I hope to have definite
information as to the attitude
of the companies.
Of course, insurance legislation,
like all other legislative matters,
must be handled by the members of
the general assembly.
I can make no promises as to what
action the next general assembly will
take in reference to these matters.
But I shall, of course, make such
recommendations as in my judgment
are proper, and will lead to a satisfactory
settlement of the difficulty. I
believe that my recommendations
will bring results. Yours very truly,
RICHARD I. MANNING,
Governor.
Ouch!
"Mr. Toastmaster," complained the
tiresome after-dinner speaker, "there
is so much conversation going on
that I can't hear a word I am saying."
"Oh, well," said a voice at the end
of the table, "you are not missing
much."?Cincinnati Enquirer.
It doesn't require a ten-cent stamp
to register a kick.
REGULARS AND MILITIA.
Now Uniformed and Equipped Alike.
Can't Be Told Apart.
The United States soldier, regular
or militiaman, on dress parade looks
natty. In actual service much of
this jauntiness vanishes and you
think of a pack mule when you see
him on the march. He carries his
bed and dining room outfit with him,
and his entire wardrobe as well. The
soldier on the march is a concrete
ftvamnlo nf nrp/nnrprtnpss.
If the civilian soldier is well trained,
you cannot tell the difference between
a regular and a militiaman in
the field. The militia uniform and
equipment are identical with those
of the federal army nowadays, as a
result of State laws which conform
to the United States regulations. The
trend of recent years has been to
make the militia as much like the
federal troops as possible and the
standard uniform is the result.
All enlisted men of companies or
battalions, except first sergeants and
musicians, and all dismounted men
of mounted orderly sections of headquarters
companies, dismounted men
of supply companies except drivers,
and every member of the militia will
be fitted out with a full complement
of these articles and each individual
will be held responsible for them:
One United States rifle, calibre
.30.
One front sight cover.
One oiler and thong.
One oiler and thong case.
One gun sling.
One bayonet.
One bayonet scabbard.
One cartridge belt, calibre .30, infantry.
One pair cartridge belt suspenders.
One first aid packet. Ninety
ball cartridges, calibre .30.
One canteen, infantry.
One haversack.
One meat can.
One cup.
One knife.
One fork.
One spoon.
One shelter tent, half.
Five shelter tent pins.v
One poncho.
One blanket.
One cake of soap (furnished by
man.)
One toothbrush (furnished by
man.)
One pair of socks (furnished by
man.)
One comb (furnished by man.)
One towel (furnished by man.)
One whistle (for quartermaster
sergeants and sergeants only.)
One identification tag with tape.
Officers and non-commissioned officers,
in addition, carry pistols, sa- :
bres and other implements, the aver- ,
age weight of a full infantry equip- ,
ment being twenty pounds.
The horse equipment for each en
listed man consists of one feed and ,
grain bag, one halter headstall, one ,
halter strap, one horse brush, one ,
lariat strap, one link, one picket pin,
one cavalry saddle, one pair saddle- ,
I
bags, one saddle blanket, one surcingle,
two horseshoes (one fore and one ,
hindj, twelve horseshoe nails.
The new uniform of an enlisted
i 1
man consists of the following articles:
One waist belt. '
One pair of woolen breeches anu !
one pair of khaki breeches.
One woollen and one khaki service
coat.
v> One hat cord.
One tying cord for service hat.
One service hat.
One pair of leather riding gloves
(for mounted men only.)
One pair canvas leggings.
Two flannel shirts.
One pair of marching shoes.
The Advantage of War.
/ 1
War itself is of short duration; it
produces results and relief and recuperation
follow, says the Atlantic.
But armed peace is a never-ceasing
, loss, and the hopeless feature of it is
that it never arrives. It is a constant
outlay without commensurate
return. With the utmost that can
- ? ? j ? ^
be done, tne reiauve strengtns or j
States are changed but slightly, if at i
all. Possibly the weaker States!
profit by this preparation as compared
with their more powerful
neighbors, but even this is doubtful.
It may in some cases tend to preserve
peace; in others it certainly
makes for war. It does one or the<
other according to its purpose and
the strenuosity with which it is carried
on. When war-preparation is
purely from a defensive motive, and
not aggressive, as may truthfully be
said of nations like the United States
and Switzerland, it certainly has a
tendency to deter aggression and to
make for peace. But when such
preparation is made with war as an
object of national policy, or to keep
up a rivalry of military or naval '
power, its tendency is to arouse sus-11
picion of motive, to foster the belief
that such preparation means war,
and thus directly to lead to the likelihood
of war.
Read The Herald, $1.50 per year.
Ml
jUBHHI
I j>yj ^
||;l! F.P.B. DETROIT. V
1 Hill XJORSEPOWER" is a misle
I A sometimes wrongly used t
something unusual, exception
| I innovation.
I We don't claim anything w<
| don't mislead by reference to a te
I don't understand.
I We've got something real to fc
| I the Maxwell car?its complete
I the attractive appearance. Con
and its unequaled record for pei
I The price includes all the ho
I to take you anywhere and as
to go.
f I 5-passenger Touring Car, $595 2-passengei
f 2-passenger Roadster 580 6-passenget
| 1 5-passenger Sedan, $985
I BAMBERG AUK
HUSBAND RESCUED Snufhp
DESPAIRING WIFE
After Four Tears of Discouraging ccrMrri
Conditions, Mrs. Bollock Gave PASSENGEf
Up in Despair. Husband effec
Came to Rescue.
V? In on !No- Arrive Bamberg Froi
Catron, y. ntaestrag letter , 24 Augusta and intermedlIrom
this place, Mrs. Betbe Bullock ate stations 5
writes as follows: "I suffered for four 25 Charleston, Branclmile
years, with womanly troubles, and during i and intermediate stathis
time, 1 could only sit up for a little ! tions
while, and could not walk anywhere at 18 Augusta and intermedial!.
At times, I would have severe pains! ate stations 8
in my left side. 35 Charleston and interon.
, . v ,. ,. ,.. . . mediate stations
The doctor was calledm, and his treat- QO A . ... ,.
... . . ^ ... ... 22 Augusta and intermediment
relieved me for a while, but I was ate stations 6
soon confined to my bed again. After 7 Charleston, Branchviile,
that, nothing seemed to do me any good* - and intermediate staI
had gotten so weak I could not stand, tions 8
and I gave up in despair. _ __ ? _ _ OJ ,
m,;L1ieKe?a rrn* Trains Nos. 17 and 24?
At last, my husband got me a bottle oi! and Atlanta#
Cardui, the woman's tonic, and I com- j
menced taking it From the very first! N* B*?Schedules publish
dose, 1 could tell it was helping me. I j For infoi
can now walk two miles without its i
tiring me, and am doing my work." j II 11J JL
If you are all run down from womanly I W 11
troubles, don't give up in despair. Try j THE SOU!
Cardui, the woman's tonic. It has helped , ,
more than a million women, in its 50 - - - years
of wonderful success, and should
surely help you, too. Your druggist has AD IITCE1
sold Cardui for years. He knows what A K IIIillj
it will do. Ask him. He will recom- v u
mend it Begin taking Cardui today.
tit . , ^ LIFE INSURANT
Write to: Chattanooga Medicine Co., Ladles*
Advisory Dept., Chattanooga, Tenn., for Special
Instructions on your case and 64-page book,' Home PamWri Por,
Treatment tor Women," sent in plain wrapper. E66-B .Bamberg, feOUtll Gaif
WORDSFROMHOMEl
| Neuralgia, Headaches,
^. mi . .. q | ,, Colic, Sprains, Bruises, C
Statements That May Be Invesfga. Burns, 0ld Sores, Stings O
ted. Testimony Of Bamberg ; Etc. Antiseptic Anodyne,
c,t,zens- ternally and externally. P
When a Bamberg citizen comes to ;
the front, telling his friends and j
neighbors of his experience, 'you can | I II | j i 11
rely on his sincerity. The statements | 4 '
of people residing in far away places _ ? Tin ni T
do not command your confidence, j IT A L* V4 T
Home endorsement is the kind that; Jj| i^r JL
backs . Doan's Kidney Pills. Such ,
testimony is convincing. Investiga-, TTPl^l A 1^ A
tion proves it true. Below is a state- F1 FV AA 81 AA
ment of a Bamberg resident. No
stronger proof of merit can be had. yjfho of us does not suffer a
James A Mitchell. R. F. D. Mail | from this awful pain? All a:
carrier, Calhoun St., Bamberg, *ays: ject to it-a disordered sti
"The jar and jolting in driving was ^ inactive liver, constipatio
no doubt responsible for the trouble I causes. But headaches art
I had with my back. Two boxes of I warnings of something m
Doan's Kidneys Pills, procured at the ^ rious. Heed the warning,
People's Drug Store, brought me re- I 1Y,, TH A ^ WF'
lief. I never lose a chance to say a ^ Ui 1 fl/ivllL.
good word for the medicine." ^
Price 50c, at all dealers. Don't I LllVCl 3I1Q DIG
simply ask for a kidney remedy?get ^ f
""" fViot k. V IllD
Doan'p Ki^n^v fin*?ui~ ^ ? *
Mr. Mitchell had. Foster-Milburn Co., I head 0ff the more seric
Buffs'" N. Y. jo ments. This preparation pc
?????????- ly relieves all perils of coi
I tion and its kindred disorde:
Cnf tvmtmr* " restores the system to its ]
W RFNT7 IK fe condition-gently but thorc
If. IlLiilL, JI\# | Geta bottle today Two ^
Life, Health, Accident and ^ end $1. AH dealers.
Fire Insurance |af jHf dVM
ALL RELIABLE COMPANIES ; mi. TT 77 gA
j Read The Herald, $1.50
i
' ?
' s
. . ' ' . ' ' . v..
umld claim 411-2 j jj
epower and probvnnfi)/?n///n'#
II III
> the difference
ading phrase. It is | *
:o carry the idea of |
al?some - startling
3 can't prove. We
jchnical subject you .
alk about Examine I
f equipment. Note
sider its reputation
formance. -V
rsepower you need . ,
I fast as you want I
r Cabriolet, $865 isfrSgglM lywnfffc I / 1
Town Car, 915 jJJ|J| ^ ^
illirPI i
????
srn Railway |
CARRIER OF THE SOUTH.
. r.zi
! '
I TRAINS SCHEDULES
i '
TIVE JANUARY 23. 1916. 5
jl Trains Run Daily.
n No. Leave Bamberg For
24 Branch ville, Charleston
:05 a. m. and intermediate stations
5:05 a.m. , !
25 Augusta and interme!:25
a. m. diate stations 6:25 a. m.
18 Branchville, Charleston
!:43a. m. and intermediate stafirtnc
8 42 A. m.
cava**? .... - - - - """ - - - - - w ? ? ??- ^V""
i ^ 7 fl m 35 Augusta and intermedi<0<
a* m* ate stations 10:57 a.m. >
22 Branchville, Charleston
>:37p. m. and intermediate sta- ' ?
tions .... 6:37 p. hi.
17 Augusta and intermedial
7 p. m. ate stations 8:17 p. m.
-IS
Through sleeping car service between Bamberg
ed as information only. Not guaranteed,
rcnation, tickets, etc., call on
IcMILLAN, Agent
"HERN SERVES THE SOUTH.
?????
. .
[ Good Looks are Easy |
MagnoKa fj*F ^
&m Balm.
. 1 - Ma
natinm I Loolc gooa1 M y?ur ^uy \w
matter if you do Tan or Freckle Magnolia
Cramps, Balm will surety clear your skin initantty.
/UtS and Heals Sunburn, too. Just put a little on
f Tncjpp, o ^our face and rub it off again before dry. ;
msec, b aimp|e and sure to pIease> Try a 1,0^
lUSeain- to-day t and begin the improvement at
rice 25c. once. White, Pink and Rose-Red Colors.
75 cents at Druggi&s or by mail dired.
[J SAMPLE FREE.
LYON MFG. CO- 40 So. 5th St, Brooklyn. N.Y.
CK V41
SEASHORE ROUND TRIP FARES
mm From Ehrhardt.
Xl ?i j WEEK-END EXCURSION FARES
($2.95 to Isle of Palms.
$2.95 to Sullivan's Island.,
re sua- Tickets on sale ror an irains on
omach, v each Saturday and for forenoon
n are trains on each Sunday from May 27
i njere I to September 1, inclusive, limited reore
se- ^ J turning to reach original starting
take point prior to midnight of Tuesday
D'C next followin& date sale* *
K5 J SUMMER EXCURSION FARES
j $4.15 to Isle of Palms.
)Ofl I $4.15 to Sullivans Island.
^1 $11.70 to Myrtle Beach,
k $20.75 to Norfolk.
I Tickets on sale from May 15 to
>us ail- 3 October 15, inclusive, limited return- ;
>sitive- k until October 31. Liberal stopnstipa
3 over Privileges,
rs and Q Schedules and further .particulars
nnrmal k. cheerfully furnished upon applicaI
tion to M. T. JOHNSON, Ticket
g I Agent, Bamberg, S. C.
:es, 50c w ATLANTIC COAST LINE
II The Standard Railroad of the South. t
^ M I ? - TTT/3**OT
- XJlg Supply UI vv dici Lua.il o 1UC??
per year. Fountain Pen6 at Herald Book Store.
;; ii?
.
* J* ' *.
. ; . .*L\ .
y- r-~ -K/-.'is