Vage Twelve 



THE I. A. A. RECORD 



July, 1931 



21 Auto Casualty Go's. 



I ncrease Insurance Rates 



High Counties and High Agents 

 Named for June 



In June this year the Illinois Agri- 

 cultural Mutual Insurance Co. received 

 678 applications as compared with 659 

 applications for June, 1930. The total 

 applications up to July 1 was 28,625. 



Auto casualty companies in 21 states 

 increased their rates effective January 1, 

 1931. Also a company located at 

 Bloomington, covering several states, in- 

 creased its rates effective May 1. 



"Although much below the closest 

 state-wide company, our rates are am- 

 ple," states V. Vaniman, director insur- 

 ance service. "Due to the caution used 

 by Farm Bureau members in observing 

 simple safety rules and the work being 

 done by them along safety lines, acci- 

 dents have been reduced so that their 

 company can furnish auto insurance at 

 a lower cost." 



The ten high counties in I. A. A. 

 Farm Bureau auto insurance in force 

 are as follows: DuPage 1,068 applica- 

 tions. Cook 1,024, Champaign 932, Mc- 

 Lean 920, LaSalle 852, Winnebago 802, 

 Henry 794, Livingston 702, Logan 690, 

 and Will 621. 



The ten high counties for June are: 

 McLean, St. Clair, Cook, Kane, Mc- 

 Henry, DeKalb, Stephenson, Iroquois, 

 . Champaign, and Lake. 



R. F. Shaffer of St. Clair county led 

 all agents in applications received with 

 35. Other high agents in the order 

 named are: W. E. Hedgcock, McLean; 

 J. D. Smith, Sangamon; Fred Wilson, 

 Kane; Roy Mitchell, Champaign; T. W. 

 Reed, Iroquois; C. E. Hopkins, Livings- 

 ton; Bertram Abney, Lake; L. R. Welk, 

 Logan; K. W. Cleland, Boone; F. W. 

 Case, DeKalb; and Edward L. Dillon, 

 Vermilion. 



Here are a few accidents recently 

 reported by policyholders: 



Iroquois county — Our insured, ac- 

 companied by tnree young ladies, lost 

 control of car after striking hole in 

 pavement. Car ran into culvert — ladies 

 injured. One of ladies had to have 99 

 stitches taken in scalp. 



Law^rence county — Our ..ember 

 started to cross street as stop light 

 changed. Car had pulled to right of him 

 and driver's left hand was held out to 

 signal stop. Our member backed into 

 car breaking man's arm between elbow 

 and shoulder. 



Macon county — Fatal accident; in- 

 sured's son driving south on hard road. 

 Bright lights coming toward him made 

 it impossible to see truck parked on road 

 due to flat tire. He saw black object 

 but could not avoid it on account of 



CO-OPERATIVE 



INSORANCE. 



PROORAM 



t^iL 



Farm Employees Hurt 



In Accidents, Report 



Grooving Interest in Liability Insur- 

 ance to Protect Farmer Employers 



oncoming car. Four boys injured — one 

 died of fractured skull. 



Hancock county — Suit brought 

 against our insured for $10,000 for per- 

 sonal injury and property damage. 



Sangamon county — Administrator 

 of estate brought suit against our in- 

 sured for $10,000. Party riding with 

 our insured was killed when passing car 

 threw rock in insured's face causing 

 him to lose control of car and strike cul- 

 •«'-"-t. "■ ■ " ■.• ■;' ■■ - ■ ;: '- . •■': ■■ 



Half Million Annually 

 Saved on Co-Op. Insurance 



Protection *^At Cost" Service to 

 Members Is One of Most Help- 

 ful Benefits 



Co-operative insurance enterprises 

 supported by the Farm Bureaus and I. 

 A. A. are now saving Illinois farmers 

 an estimated half million dollars a year 

 when compared with the costs of simi- 

 lar protection in privately-owned com- 

 panies. 



There is already a total of more than 

 $42,500,000 insurance in force in the 

 Country Life Insurance Company or- 

 ganized by the Farm Bureaus and the 

 I. A. A. This service alone saved policy- 

 holders $250,000 on the initial cost. 

 In addition the company was able to 

 pay dividends for 1930, one year earlier 

 than the contracts provide. 



The Farmers Mutual Reinsurance Co. 

 with $43,000,000 of insurance in force 

 against fire, windstorm and hail pro- 

 vides protection at cost, at rates appre- 

 ciably lower than those charged by old 

 line companies. Farm crop hail cover- 

 age costs one-third less in their own 

 company than in the old line companies. 



Approximately 26,000 cars and 

 trucks valued at more than $16,750,000 

 are insured in the Illinois Agricultural 

 Mutual. This insurance together with 

 the employers' liability insurance saves 

 Illinois farmers an additional $200,000 

 it is estimated in comparison with cur- 

 rent rates of the closest state-wide 

 company. 



Constantly shifting farm labor is im- 

 pressing many Illinois farmers with the 

 necessity of protecting themselves with 

 employer's liability insurance, according 

 to V. Vaniman, director of insurance 

 service. ..; - ■_■-.!,- 



Statutes and court decisions are more 

 and more favorable to employees. Many 

 farm employees have worked for manu- 

 facturers and others who come under 

 the Workmen's Compensation Act. 

 They naturally expect to be paid when 

 they are injured doing farm work. 



Resourceful and versatile attorneys 

 can make it very unpleasant for the 

 employer in case an employee is injured 

 or killed. 



These factors and the increasing num- 

 ber of farm accidents account for the 

 consistent growth of the farmer em- 

 ployer's liability department of the Illi- 

 nois Agricultural Mutual, which now 

 has a total of 1,700 policyholders.. 



The ten counties leading in the num- 

 ber of policies in force are McLean, 

 DuPage, Livingston, Henry, Tazewell, 

 Cook, Vermilion, Fulton, Kendall and 

 Logan. 



Incorporated companies such as 

 threshing rings, shipping associations, 

 etc., may take out liability insurance 

 by becoming a member of the Farm 

 Bureau. Unincorporated associations will 

 be granted policies under two condi- 

 tions: First, if all members of the asso- 

 ciation are members of the Farm Bu- 

 reau; or, second, if the association holds 

 a membership in the Farm Bureau and 

 at least 50 per cent of the members are 

 affiliated with the Farm Bureau. 



Recent farm accidents reported to 

 the I. A. A. are as follows: 



Champaign county — Employee bad- 

 ly injured when thrown from a hay- 

 rack by a run-away team. 



McLean county — Hay fork fell on 

 employee. Went through the calf of 

 his leg. 



Whiteside county — Employee fell 

 off fence while trimming tree. Injured 

 his side. 



Richland county — Employee fell 

 off truck, oroke bone in one of his toes. 



This remarkable development may be 

 attributed largely to two factors: the 

 farmer, although in an extremely haz- 

 ardous occupation, has always been un- 

 der-insured; his own organizations, sup- 

 plying ^ound protecjHC \t cost, are 

 meeting his need for ine. tensive insur- 

 ance. 





