Insurance policies and types of coverages.

Let us consider a true analogy to the case of the motor vehicle. Fire-arms are owned by many. The criminal, the insane, the careless cause untold suffering by their misuse. Victims lack financial recourse a hundred times more frequently than in the case of those injured by motor vehicles. Should the state tax every weapon-owner in order that those victims be adequately recompensed from a central fund, irrespective of the circumstances involved? As yet there has been no pressing demand for such a measure. Ready to compare quotes? Click here.

It is difficult to understand the paramount consideration that set apart automobile casualties from all others. We fail to follow the reasoning that singles out this particular class of tort to place alongside industrial compensation. The state is to guarantee the responsibility of one class of defendants to civil actions. Why other classes are to be ignored by paternalism is not quite evident.

The Industrial Commission starts its investigation in the light of preliminary information, medical and otherwise, that automatically comes from the employer. For example, a medical examination often is required upon entering employment. This practically prevents any claim that some chronic trouble or previous disablement originated in the course of the new duties. The new bureau will inevitably lack such advantages.

In dealing with the workman, the Industrial Commission has a powerful ally in his reluctance to hazard his employment by unnecessarily prolonging absence or by making fraudulent demands. A majority of the claims presented to the proposed body will be from those who do not earn wages, and who thus have a powerful temptation to malinger.


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