Accident insurance and personal injuries to policyholders, are subjects to which I have devoted some thought and attention during the past few years, and I am a staunch advocate of the former. As a rule, the reasonableness of its cost should commend itself to every worthy male adult subject who is eligible to avail himself of the privilege of procuring a certificate of membership in some one or more of the various substantial insurance associations throughout the country.
The business of accident insurance companies is mainly conducted by the secretary and a board of directors, and in the matter of claims, by the claims committee aided by the wisdom and advice of the surgeon, the medical director or medical examiner. The office that the surgeon fulfils is a most important one; one whose motive power and influence usually commands great respect from his business associates. To him is oftentimes referred