USRE15459E - Device fob - Google Patents

Description

G. E. DICKSUN. I

DEVICE FOR PROVIDING RAILROAD ACCIDENT INSURANCE. APPLICATION FILED AuG.2I,1922.`

ReiSSueasepI.26,1922Q 15,459.

.l IND/7 INSU/VENCE PRE/mum Reef/Pr Tlf/s CERT/Fles WE/Wan? r Reissued Sept. 26, 1922.

UNITED STATESA PATENT OFFICE.

GEORGE E. DICIISON, VOF EVANSTON, ILLINIS.

DEVIE FOR PROVIDING RAILROAD-ACCIDENT INSURANCE,

lOriginal No. 1,408,175, dated Eebruary 28, 1922, Serial No. 376,544, filed April 26, 1,920. Application for reissue filed August 21,

To all wlw/m, it 'may concern:

Be it known that I, GEORGE E. DIoKsoN, a citizen of the United States, and a resident of Evanston, county of Cook, and State of Illinois, have invented certain new and useful Improvements in Devices for Providing Railroad-Accident Insurance, of which the following is a specification.

Numerous attempts have been made to provide means for insuring passengers in conjunction with a railroad tripl` None of' the proposed means have met with any degree of success for one or more reasons, and while it is possible to purchase accident insurance at some ticket oiiices, the passenger agents are told not to urge the sale of such insurance because of the time and trouble incident to the issuance of the policy. This course is pursued in the face of the fact that the railroad company receivesa substantial percentage of the premium paid for the policies issued by its agents.

Again it has been proposed to issue an insurance policyas a part of a, railroad ticket, but such proposal has not proven practicable for a number of reasons among which may be noted the large size of the ticket required, the diicult'y, and, in fact, impossibility, of complying with the laws of dilferent States relative to standard provisions of such policies, the size of t-ype in which insurance policies must be printed, and1 the work involved in the issuanee of such insurance.

The general object of my invention is to provide devices for issuing insurance to 1922. Serial No. 583,067.

policies can' be complied with, and at the same time include any and all additional V provisions that may be necessary fully and completely to define the insurance risk.

My invention consists generally in means whereby the above named objects together with others that will appear hereinafter are attained, and my invention will be more readily understood by reference to the accompanying drawings which illustrate suitable means' whereby the invention can be practised.

,In said drawings:

Fig. l is a face view of a device used in issuingv insurance. to a passenger and em- `bodying my invention.-

Fig. 2 is a view-of the. reverse side of the device shown in Fig. l.

Fig. 3 is a face view of a device-similar to that shown in Fig. `1 but covering transportation between diii'erent points; and

Fig. 4 is a perspective view of a device which is related. to the devices shown in Figs. l, 2 and 3.

I shall first briey describe thedevices shown inthe drawings and then follow with a statement of the method of use wherein their co-operative functioning occurs.

1,'represents a ticket such asis provided for the passenger agent forvuse in issuing to passengers.V v

2, represents a blanket accident insurance policy, the original of which is on tile with the general passenger agent of the railroad., Device 1, may vary widely with respect to railroad passengers whereby it shall be possize, printed matter thereon, and with resible Jfor railroad ticket agents to issue inspect to the divisible parts thereof but .it surance with such ease that the time refwill always embody certain of the fundaquired shallnot be appreciably more than is required merely to issue a transportation ticket.

Another object of my invention` is to provide devices for issuing'insurance to railroad passengers in .conjunction with a passage ticket whereby the size of the ticket can be as small as desired, thus enabling the handling thereof withc the usual railroad passenger ticket facilities, and also effecting the saving of an enormous amount of paper.

Again it is an object of my invention to provide devices yfor issuing insurance to railroad passengers in conjunction with a pas.-

sage ticket whereby the requirements of the laws of all States as toy standard provisions mental characteristics shown in the drawings. As here shown, device l, is divided y into three easily separable parts 3, 4 and 5 as by means of scoring 6 and 7. On its face side part 3 bears an inscription of such character as to furnishthe railroad auditor A with desired information.

of portion 4, I provide printed matter 9, which in substance indicates that it is a receipt 4certifying that the passenger whose name is signed on this portion has paid a premium such as will entitle him to the benefits ofthe insurance provided by blanket-insurance policy 2. As here shown, the reverse side of .portion 4 is provided with a line 10 for signature of passenger.

On the face side` ticket issued and `Portion 5, inthe present instance, is provided with an inscription 11 indicative of the transportation to which passenger is entitled. i Portions 3, 4, and 5 are provided with 'similar identifying numbers indicated at 12,

13 and `14, respectively.

APortion 4 bears, as at 15, a number and date which corresponds to the number and date 15 which the blanket accident insurance policy 2, bears. i

he operation and use are as follows: The railroad and the insurance company enter into aninsurance contract. This contract or polic insurance policy (illustrated in Fig. 4, and defines fully and completely the risk that the insurance company assumes). Such a policy, in order to state the risk definitely, will be of considerable size, probably three or four pages of legal size, but this can` be as large as necessary and can be printed in type suiiiciently large to ,comply with the laws of any and all States because but a single policy is issued to the railroad company. But what is even more important,

this cancontain the standard provisions reuired by the laws of all of the leading tates. This policy is kept o-n file by the railroad Where it maylbe examined by any one having an interest therein. Also copies of this policy may be provided so that any one interested may, upon request, secure a copy from any ticket agent. i ik passenger in'fpurchasing a ticket merely states whether or not he wants insurance and if so he is given portions 4 and 5, which will thereupon be stam ed with the date of issuance on the back t ereof as indicated by means of dotted lines at 16, and 17. This the agent can easily do as he must date every hence has .proper facilities. Inasmuch as portion 4 is a mere receipt and not an insurance policy it can be made to conform to the size of the transportation part, if desired, for convenience of issuance and handling by the ticket agent.

When issuing the transportation with the insurance receipt a sum equal say to one per cent of the cost of the ticket is added and paid for by the passenger., This amount is I `ample to provide insurance up .to $5000.00

portion 5`to him in the for thev trip.

Thepassenger merely signs his' name on portion 4 at line 10, as a means of identiication, and retains this as his receipt in case it is necessary to claim a benet under blanketaccident insurance policy 2, at any time.` If the passenger does not desire insurance protection the ticket' agent merely issues retaining The 'rai portion 4 in his iile.4 v -road companyreports to the in` is entitled blanket accident' usual; manner, thusL surance company from day to day theA premiums received, which it and with respect to which no portion 4 remains. The portion l2, i. e., auditors stub is not essential, but is shown as some railroads usei tion indicates that transportation or passage is furnished between different points. The premium receipt portion, however, is the same as Athat of the device shown in Fig. 1, and it bears the same identifying mark 15.` Thus it relates to blanket accident vinsurance policy 2, inthe same manner. This illustrates the point that the'transportation portion may and will vary as desired but that the premium receipt portions will be alike.

The many ladvantageous features .of the invention will be understood by those skilled in this art without further comment.

I claim: 1. Means for use in providing insurance for travelers consisting of a transportation ticket and an insurancev premium receipt,

said transportation ticket and insurance premium receipt. being suitably identified vrwith each other, the ticket bearing printed i matter indicating' the transportation covered.

-by it and the receipt bearing a printed statement indicating that the holder is insured under a specified blanket insurance policy.

2. As an article of manufacture, a device for use in providinginsurance for travelers, consisting of a"transporta tion ticket and an attached `insurance premium receipt, said ticket and receipt being suitably identified with each other and: the ticket bearing Jprinted matter indicating the transportation covered by it and the receipt bearing a printed statement lindicating that theholder is insured under a .speciiied blanket insurance policy. e

3. ticket-insurance premium receipt device, in combination with a blanket accident insurance policy vhaving a statement inscribed thereon granting protection to per# sons while in the use can readily do by. counting the' tickets that have been issued of transportationI tickets, said ticket-insurance premium re-,

insurance premium/ Fig. 1 except thatthe transportation-pop iop identifying it with

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