THE STATE BANK OF INSURANCE 37 



The baiik becomes responsible for risks from midday on the day on 

 which the poHcy is drawn up until the crops are cut or uprooted, within 

 the period fixed in even.^ case. No prorogation will be granted in the case of 

 any crop within regions in which damage has been done by frost, or which 

 have been invaded b}'^ winged locusts or threatened bj' them in their wing- 

 less state. In every case an insured person is obliged to provide the agri- 

 cultural work which the character and the condition of his crops require and 

 on no pretext to abandon insured crops. Anyone applying for insurance 

 nmst insure all his crops of the kind which he proposes to insure. He 

 nuist therefore, when applying, declare to the bank whether he has other 

 crops of the same kind, wliich are uninsured or which are insured by the 

 bank or otherwse. If a part of the crops which he desires to insure be in a 

 bad state he may insure only such remaining part as is in a good state. The 

 signator^^ of an application for- insurance must therefore specify clearl}^ 

 in the plan which he annexes to his application, what part of his fields he 

 excludes from insurance and the area of that which he wishes to insure. 

 After he has partially insured a crop he will be obliged to insure at the bank 

 such excliided part thereof as may recover from its bad state. On pain of 

 forfeiting his insurance he is bound not to cut that part of his crop which 

 has for any reason been excluded from insurance, with the bank's consent, 

 until that part of it which the bank has insured has been completely har- 

 vested. Crops insured by the bank may not be insured elsewhere without 

 notification to the bank, even if several persons have an interest in them. 

 When the bank has thus been notified it will have a pro rata responsibility, 

 wdth the other agencies insuring a given crop at the time damage is incur- 

 red. When one crop is insured by several companies any damage incur- 

 red will be estimated by au inspector whom one of the interested companies 

 will nominate. 



If after an insurance contract has been concluded the insured crop 

 pass into the possession of another person, the in.sured person will inform 

 the bank in order that the fact maj^ be noted on the policy. The applica- 

 tion should contain a statement as to the total amount at which the appli- 

 cant values the crop to be insured by the bank, wholly or partially as the 

 applicant may desire. 



Crops already damaged by hail may not be proposed for insurance 

 until ten days have elapsed from the time at which the damage was incur- 

 red, and the applicant desiring to insure them must insert in his applica- 

 tion a statement as to the amount of the past damage and the date at 

 which it was incurred. 



The insured person may not claim indemnities from the bank for dam- 

 ages due to hail unless these exceed in the case of each crop 6 per cent, 

 of the total insuied value. The notice of an occurrence of loss nmst state 

 its date and hour and the kind of crop injured, and must be handed to the 

 local agent and telegraphed to the management of the bank at Montevideo- 

 no later than twenty-four hours after such occurrence. This first notice 

 will not however be held valid unless the insured person declare iu writing. 



