Page Four 



THE I. A. A. RECORD 



ing left-hand turns. Ignorance I and careless- 

 ness were responsible for these. Three hundred 

 and sixteen collisions occurred aC intersections, 

 209 were cases of sideswiping, 151 reported 

 "unable to stop," 80 said that !(hey failed to 

 stop when approaching the concrete highway, 

 41 came to grief while driving on the left 

 side of the road. These were recorded from a 

 total of 3,330 claims. 



Throughout September accidelit prevention 

 will be the dominant topic for discussion at 

 meetings of Farm Bureau insurance agents, 

 policyholders, and Farm Bureau members in 

 Illinois. Policyholders realize that the way to 

 reduce further their low cost insurance is to 

 cut the number of accidents. 



Here Are Rules 



In an insurance meeting at Ottawa, LaSallc 

 county, on September 3 the "No Auto Acci- 

 dent Campaign" featured the prqgram. A set 

 of rules for the guidance of alt i Farm Bureau 

 members in the county were adopted as fol- 

 lows: 



1. Always stop on approaching i\ paved high- 

 way and look in both directions. 



2. When you run off the pavement slow up 

 before going back on. 



3. Always signal and look in b^th directions 

 before making a left-hand tuk-n. 



4. In going around cars blow your horn and 

 be certain the right-of-way is clear. 



J. Never try to beat a train at i\ crossing. 



6. Don't try to pass going around curves. 



7. Never pass another car going \ip a hill when 

 oncoming cars can't be seen. | 



Every county is being asked to keep a record 

 indicating the days on which no accidents oc- 

 cur among Farm Bureau member policyholders. 

 "Every county having no auto accidents among 

 its members during September will automatic- 

 ally become a member of the 'No Auto Ac- 

 cidents in September Club,' " anjqounces Vani- 



Campaign Slogans 



A few 



«f 



"Highway 

 Courtesy 



The unwritten 

 law of the high' 

 way. Play fair 

 with the other feU 

 low. You'll both 

 feel better for it. 

 Qualities of true 

 gentlemen are re' 

 fleeted in highway 

 courteay, [ 



of the cam- 

 paign slo gans broad- 

 cast thmughout the 

 state are: 



1. A njoment's neg- 

 lect n»ay cause re- 

 gret for a lifetime. 



2. You a^e not thrifty 

 if you are not a 

 safe man. 



3. Prevertion of ac- 

 cident: is preven- 

 tion of suffering. 



Accidents don't just happen- —there is a 

 cause. 



A minute foi| safety beats a month for 

 repairs. 



A man at work is worth two in a hospital. 

 Forethought is cheap; afterthought is ex- 

 pensive. 



You may be dead Hght but 

 time. 



The effectiveness of accident 

 campaigns is seen in records com }iled at San 

 Diego, California. Actuated by dist essing tratBc 

 accidents in that jcity of 140,000 people, the 

 chief of police on July 1, 1927 orjered all ac- 

 cidents carefully investigated, witnesses secured, 

 and the guilty parties brought t<> court and 

 punished. 



Curve Was Upward 



During the firsd half of the ye^r the curve 

 of accidents in tUat city was continually up- 



J. 



8. 



dead a long 



prevention 



ward as it had been during preceding years. In 

 six months there had been 404 accidents, 594 

 personal injuries. In the six months follow- 

 ing the order despite an increased volume of 

 traffic, there were only 3 51 accidents recorded, 

 a drop of 25.9 per cent. Injuries dropped to 

 42 5, a decrease of 28.4 per cent. 



There were 800,000 automobile accidents in 

 the United States during 1928, according to 

 estimates of the National Safety Council. 

 Twenty-seven thousand lives were taken and 

 an economic loss of $850,000,000 was involved. 



Drastic Treatment 



"Mental 

 Equipment" 



It is even more 

 important than 

 mechanical equip' 

 ment. Don't count 

 too Tnuch on the 

 common sense of 

 the other fellow. 

 No one is 100 per 

 cent alert at all 

 times. 



Accident prevention 

 is much less a question 

 of speed than of skill 

 and clear-headedness. 

 Competency and re- 

 sponsibility should be 

 determined before a 

 license is issued or be- 

 fore a person is allowed 

 to drive a car without 

 the supervision of an 

 experienced driver. Evi- 

 dence of incompetent or irresponsible driving — 

 regardless of speed — should result in forfeiture 

 of the license, and does in a number of states. 



License Granted For 



LiabUity Insurance 



1100 Farmer Employers Now Protected 



Against Liability For Iniuries 



To Hired Help 



TT'MPLOYERS' liability insurance is now in 

 -*^-^ operation for more than 1,100 Illinois 

 Farm Bureau members whose applications are 

 on file in the office of the Illinois Agricultural 

 Mutual Insurance Company. 



The new service became effective at noon 

 on Saturday, August 31, a telegram from the 

 State Insurance Department announced. The 

 amended license reproduced herewith authorizes 

 the Illinois Agricultural Mutual to engage both 

 in automobile and employers' liability insur- 

 ance. 



Deposits Required 



A special reserve deposit of $25,000 was re- 

 quired before the new service could become 

 operative. Each applicant was required to 

 make a deposit of $2 5 based on a yearly pay- 



roll up to $1,250. This includes the $5 policy 

 fee, a $10 premium deposit, and $10 for reserve. 

 The policyholder retains his ownership in the 

 $20 for premium and reserve which will be 

 refunded if he withdraws from the Company. 

 Assessments will be made annually, although the 

 company may make semi-annual assessments if 

 it so desires. 



The basis for estimating premium deposits 

 hereafter will be slightly different. An addi- 

 tional $5 must be deposited on application for 

 each additional six months of hired labor or 

 fraction thereof. 



What Protection is 



This insurance protects the policyholder 

 against the common law liability of an em- 

 ployer's negligence leading to the injury of his 

 employee. The law imposes certain responsi- 

 bilities upon the employer in relation to the 

 employee. He must provide safe tools and use 

 reasonable care in removing hazards. He must 

 not only use care in selecting employees but 

 should caution such employees regarding the 

 dangers of their employment. 



On the other hand before the employee can 

 collect damages he must prove to the court 

 or jury that his employer was negligent and 

 did not use reasonable care in preventing the 

 accident. 



A Typical Case 



An Illinois farmer was sued by a hired hand 

 for an injury sustained when the team of mules 

 he was driving ran away. It was shown in 

 court that the team of mules had run off 

 before, therefore the jury decided they were 

 dangerous and the farm employer was guilty 

 of negligence and carelessness because he did not 

 warn the employee that the team of mules was 

 dangerous. Judgment was rendered against the 

 employer for $5,000. 



Limit of Protection 



The new employers' liability insurance in the 

 Illinois Agricultural Mutual protects the policy- 

 holder up to $5,000 per personal injury or 

 (Continued on page 7) 



License Allows Employers' Liability Insurance 



