(SENATE BILL No. 355. APPROVED JUNE 25, 1917.)

AN ACT to amend an Act entitled: "An Act to organize and regulate county fire insurance companies," approved June 2, 1877, in force July 1, 1877, as subsequently amended, by amending sections ten (10) and twelve (12) thereof.

SECTION 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That an Act entitled: "An Act to organize and regulate county fire insurance companies," approved June. 2, 1877, in force July 1, 1877, as subsequently amended, be and is hereby amended by amending sections ten (10) and twelve (12) to read as

follows:

10. Any such company may insure property within the limits of the county comprised in the formation of the company, and may insure property in any adjoining county in which no company organized hereunder exists, but such company shall not insure any property within the limits of any city containing over twelve thousand inhabitants, at the time of the organization of such company: Provided, however, that any such company, may by the vote of a majority of its members, add to the territory covered by such company and in which it may do business, any number of political or congressional townships contiguous thereto, not exceeding ten, and such company may amend its charter as provided by law, showing such increase of territory: Provided, further, that any such company may underwrite or reinsure the whole or any part of any risk of another county fire insurance company organized under this Act, and may reinsure the whole or any part of its risks with another or other county fire insurance companies organized under this Act.

§ 12. Whenever the amount of any loss shall have been ascertained, which exceeds in amount the cash funds of the company, the president shall have the power to borrow money not to exceed one-tenth (1/10) of one per cent (1%) of all the property insured with which to pay said loss, and when the amount of said loss shall exceed one-tenth (1/10) of one per cent (1%) of all the property insured, the president shall convene the directors of said company who shall make an assessment upon all property to the amount for which the several pieces of property is insured, taken in connection with the rate of premium under which it may be classified, sufficient to pay all indebtedness of said company and may make an additional assessment for a sum not to exceed one-tenth of one per cent (1%) of all the insurance in force at the time of so making said assessment. Provided, that if no quorum be present the secretary shall enter the fact on his journal and the names of the directors present, whereupon the president, secretary and treasurer shall pro

ceed to estimate the rate per cent necessary to cover the loss and expense thereby incurred and assess the same upon all insured property of the several members of said company, which assessment shall be valid and shall be collected in the same way as though it had been made by the board of directors: Provided, that at the time said assessment is made said assessment shall be made for an amount sufficient to pay all indebtedness of said company up to the time said assessment is made, and may include an amount in excess of such loss and indebtedness not to exceed one-tenth of one per cent (1%) of all the insurance in force at the time of so making said assessment.

APPROVED June 25, 1917.

COUNTY FIRE INSURANCE COMPANIES.

§ 1. Amends section 8, Act of 1877.

§ 8. Property insured-policies— duration amount - payment.

(HOUSE BILL No. 563. APPROVED JUNE 25, 1917.)

AN ACT to amend an Act entitled, "An Act to organize and regulate county fire insurance companies," approved June 2, 1877, in force July 1, 1877, as subsequently amended, by amending Section 8 thereof.

SECTION 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That an Act entitled, "An Act to organize and regulate county fire insurance companies," approved June 2, 1877, in force July 1, 1877, as subsequently amended, be and is hereby amended by amending Section 8 to read as follows:

§ S. Such companies may issue policies only on detached dwellings, barns (except livery, boarding and hotel barns) and other farm buildings, schoolhouses and churches and such property as may be properly contained therein; also other property on the premises and owned by the insured; also live stock (hay and grain in the stack) on the premises of the insured, and anywhere in the territory of the company for any time not exceeding five years and not to extend beyond the limited duration of the charter, and for an amount not to exceed ($7,500.00) on any one risk. Said policies may cover loss of, or damage, to, live stock, harness and vehicles temporarily taken from the territory of the company: Provided, said live stock, harness and vehicles be not removed to exceed twenty-five miles from the territory of the company. All persons so insured shall give their obligations to the company, binding themselves, there [their] heirs and assigns, to pay their pro rata share to the company of the necessary expenses and of all losses by fire or lightning which may be sustained by any member thereof during the time for which their respective policies are written and they shall also, at the time of effecting the insurance, pay such percentage in cash and such other charge as may be required by the rules and by-laws of the company. APPROVED June 25, 1917.

COUNTY FIRE INSURANCE COMPANIES-ADJUSTMENT OF LOSSES. 1. Amends section 11, Act of 1877.

§ 11. Adjustment of losses-committee of reference award

committee

appointment of

compensation-power to adminminister oaths.

(SENATE BILL No. 47. APPROVED JUNE 21, 1917.)

AN ACT to amend section 11 of an Act entitled "An Act to organize and regulate county fire insurance companies." Approved June 2, 1877. In force July 1, 1877.

SECTION 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That section 11 of an Act entitled "An Act to organize and regulate county fire insurance companies," approved June 2, 1877, and in force July 1, 1877, be and the same is hereby amended so as to read as follows:

§ 11. Each member of such company who may sustain loss or damage by fire or lightning shall immediately notify the president of such company, or in his absence, the secretary thereof, stating the amount of damage or loss claimed, and if not more than five hundred dollars ($500), then the president and secretary shall proceed to ascertain the amount of such damage or loss, and proceed to adjust the same. If the claim for damage or loss shall be an amount greater than five hundred dollars ($500), then the president of such company, or in his absence, then the secretary thereof, shall forthwith appoint a committee of not less than three (3) disinterested members of the company to ascertain the amount of such damage or loss, and the committee thus appointed shall report the amount of such damage or loss to the directors of such company, who shall be convened by the president, or in his absence, by the secretary, and the directors shall approve or reject the report of such committee. If, in either case, there is a failure of the parties to agree upon the amount of such damage or loss, or the directors reject the report of the committee, the claimant shall appeal to the judge of the County Court of the county in which the office of the company is located, whose duty it shall be to appoint three (3) persons, not interested in said company, as a committee of reference, who shall have full authority to examine witnesses, and to determine all matters in dispute, and shall make an award in writing to the president of such company, and such award shall be final. The appointment of such committee of reference shall not be made except on at least five (5) days' notice having been given by the clerk of said court to the claimant and to the president and secretary of such company, who may attend and object to any or all of such committee, which objections said judge shall hear and determine as at suits in law. The pay of said committee shall be two dollars ($2) per day for each day's service so rendered, and four (4) cents for each mile necessarily traversed in the discharge of their duties, which shall be paid by the claimant, unless the award of said committee shall exceed the sum offered by the company in liquidation of such loss or damage, in which case said expense shall be paid by the company. All adjusting

committees shall have the power to administer oaths, examine witnesses and take acknowledgments.

APPROVED June 21, 1917.

(SENATE BILL No. 356. APPROVED JUNE 22, 1917.)

AN ACT to amend an Act entitled, "An Act to authorize the organization and to regulate county mutual windstorm insurance companies," approved June 4, 1889, in force July 1, 1889, by amending sections 7, 8, 9, and 11 thereof.

SECTION 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That an Act entitled, "An Act to authorize the organization and to regulate county mutual windstorm insurance companies," approved June 4, 1889, in force July 1, 1889, be and is hereby amended by amending sections 7, 8, 9 and 11 thereof to read as follows:

§ 7. Any person owning property in the county for which any such company is formed, and any person owning property in an adjoining county in which no company organized under this Act exists, may become a member of such company by insuring therein and shall be entitled to all the rights and privileges appertaining thereto, but no person not residing in the county in which the company is formed shall become a director of such company.

§ 8. Such company may issue policies only on dwellings, barns and other farm buildings, churches and schoolhouses and such property as may properly be contained therein, for any time not exceeding five (5) years and not to extend beyond the limited duration of the charter and for an amount not exceeding $4,500.00 on any one risk. Any such company may reinsure the whole or any part of its risks in any other company organized under this Act or may underwrite the whole or any part of the risks of another company so organized. All persons so insured shall give their obligations to the company, binding themselves, their heirs and assigns to pay their pro rata share to the company of the necessary expenses and of all losses by windstorms which may be sustained by any member thereof during the time for which their respective policies are written, and they shall also, at the time of effecting the insurance, pay such percentage in cash and such other charges as may be required by the rules or by-laws of the company.

§ 9. Any such company may insure any property within the limits of the county comprised in the formation of the company and any property in an adjoining county in which no company organized under this

Act exists but shall not insure any property within the limits of any city containing over twelve thousand (12,000) inhabitants at the time of the organization of the company.

§ 11. Whenever the amount of any loss shall have been ascertained which exceeds in amount the cash funds of the company, the president shall convene the directors of the company, who shall make an assessment for an amount sufficient to pay all losses and indebtedness of the said company up to the time said assessment is made, and an additional amount in excess thereof, not to exceed one-tenth of one per cent of all the insurance in force at the time of so making said assessment, upon all the property, distributing the same pro rata against such several pieces of property insured by the company.

APPROVED June 22, 1917.

DISCRIMINATION BETWEEN LIFE INSURANCE COMPANIES FORBIDDEN. § 1. Amends sections 2 and 3, Act of

1891.

§ 2. Penalty for unjust discrimination.

§ 3. Penalty for violating Act.

(HOUSE BILL No. 701. APPROVED JUNE 26, 1917.)

AN ACT to amend sections 2 and 3 of an Act entitled, "An Act to correct certain abuses and prevent unjust discriminations of and by life insurance companies doing business in this State, between insurants of the same class and equal expectation of life, in the rates, amount or payment of premiums, in the return of premiums, dividends, rebates or other benefits," approved June 19, 1891, in force July 1, 1891.

SECTION 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That sections 2 and 3 of an Act entitled, "An Act to correct certain abuses and prevent unjust discriminations of and by life insurance companies doing business in this State, between insurants of the same class and equal expectation of life, in the rates, amount or payment of premiums, in the return of premiums, dividends, rebates or other benefits," approved June 19, 1891, in force July 1, 1891, be and the same are hereby amended to read as follows:

§ 2. If any manager or managers, general agent or general agents, agent or agents of any life insurance company, or association, shall make any unjust discriminations as enumerated in section 1 of this Act, or if any such company or association shall, acting through any general officer, consent thereto, the same shall be deemed guilty of having violated the provisions of this Act and, upon conviction thereof, shall be dealt with as hereinafter provided.

$3. Any such life insurance company or association, which shall transact its business in this State in violation of the provisions of this Act, as aforesaid, shall be subject to a penalty of not less than five hundred dollars or more than one thousand dollars, and any manager or managers, general agent or general agents, agent or agents, who shall violate any of the provisions of this Act shall be subject to a penalty of not to exceed one hundred dollars, all such penalties to be sued for and recovered in the name of the People of the State of Illinois, by the State's attorney of the county in which the manager or managers,