INSURANCE, To the Editor of the "Norta-Cuiya Dairy Ne Sir.—Now that the hunting season has made an auspicious start, may I ask the favour of your indulgence to call the attention of riders to the desirability of accident insurance and the dangers of taking any policy offered without ascertaining whether it really protects them, fully.
Perhaps J can make the necessity clear by giving a personal experience. I have had an accident policy with a British company for some years, and last March while riding in a steeplechase at the Hunt Club meeting in Shanghai the pony I was riding fell with me at one of the jumps and one of the following ponies jumped on my head, causing—severe concussion although I was wearing a reinforced hunting cap.
As an immediate result of this accident, I entirely lost the use of my Left eye owing to the destruction of the nerves controlling the muscles of the -eye, an injury which tis permanent and which makes it necessary for me to keep the eye obscured with a frosted glass so that I may see with the other eye.
Under my insurance policy I was entitled to Tls. 5,000 for the complete and irrecoverable loss of sight of one eye within three months of the accident.
Under the circumstances made a claim on the insurance company for this amount. The insurance company refused to pay and offered me instead Tls. 377.14 for the 44 days during which I was totally incapacitated from attending to business.
The matter was then placed in my lawyer's hands and referred to an arbitrator as required by the policy.
The result of the arbitration was that I learned to my cost, what the insurance company knew
Text read from the printed page and cleaned; old type leaves the occasional error.