MOTOR TRANSPORTATION FOR RURAL DISTRICTS 29 
INSURANCE ON LOADS CARRIED BY MOTOR TRUCKS. 
The visible assets of the railroad, express company, or boat line 
offer assurance to shippers that the carrier is financially able to settle 
claims for damage to goods in transit. The operator of a motor route, 
particularly the small rural operator, can offer no such tangible evidence 
of his ability to meet obligations arising out of damages to goods in- 
trusted to his care. Until he can offer protection to his patrons, the 
motor operator must labor under a handicap. The obvious solution 
of the problem is to obtain adequate insurance coverage. Such in- 
surance should be for the full value of goods intrusted for shipment 
to the operator. The policy should cover all ordinary risks. Premiums 
should be paid by the operator from revenues derived from transpor- 
tation charges, unless the value of the goods shipped exceeds a set 
maximum. : 4 
Bearing these facts in mind, the following are offered as suggestions 
for provisions to be incorporated in a satisfactory: policy : 
Provisions to be Incorporated in Policies Covering Shipments by Motor Truck. 
BOM SIgy Ta AG COIN Ores eee ea se re i ee el nde ace) as assured, or for 
account of whom it may concern, but warranted not to cover the interest of 
any alien enemies, including such persons, co-partnerships or corporations as 
now, or may hereafter appear in any Enemy Trading List issued by the War 
Trade Board of the United States of America. 
2. Loss, if any, payable to the assured or order. 
3. On all kinds of lawful goods and merchandise of every description held 
in their custody as warehousemen and forwarders, but only while contained in 
or on the following named and numbered automobile trucks. Whenever necessary 
and for such periods of time as shall be necessary, the assured shall be privileged 
to substitute any motor truck or motor trucks for those herein specified *pro- 
vided the details of the proposed substitution are reported to the assurers in 
advance and an additional premium paid if required. 
* * * > * a 
4. It is the purpose of this insurance to indemnify the assured to the amounts 
which they are obliged to pay on such goods or merchandise by reason of loss 
or damage only by (1) fire, including lightning and self ignition; (2) accidental 
collision of the motor truck with any other vehicle or object, moving or sta- 
tionary; (3) overturning or skidding of the truck; (4) collapse of bridges; 
(5) perils of the seas, lakes, rivers or inland waters, only while on ferries or 
transfers; (6) theft of an entire shipping package or of over 5% of shipments 
made in bulk, but excluding all pilferage; and excluding the theft by any em- 
ployee of the assured, or the shipper or his employee, or the consignee or his 
employees; also excluding all theft of merchandise accepted for delivery within 
the limits of the city, town or village in which the goods are received for 
shipment. 
5. Valued at amounts declared by the shipper to the transportation com- 
pany, but not exceeding actual invoice value or, in the absence of invoice, the 
cash market value at time and place of shipment. In the event of the amount 
declared being less than the invoice or cash market value, as above, any 
partial loss shall be adjusted in proportion as the value declared bears to the 
invoice or market value. 
