Granny Chapter Two Fitgirl Repack Download PC Game

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Granny Chapter Two Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Granny Chapter Two Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Granny Chapter Two Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Granny Chapter Two igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Granny Chapter Two for Android and iOS?

Yes you can download Granny Chapter Two on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Granny Chapter Two

Now to download and Install Granny Chapter Two for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Granny Chapter Two on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Granny Chapter Two Download

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Granny Chapter Two Review ,Walkthrough and Gameplay

Okay it’s happening Granny Chapter Two igg games. I it better happen we better we better beat this game I’ve tried so many times. I’ve tried so many more times than just what you’ve seen on camera because I really really want to get out a Granny Chapter Two download PC game, of me beating the game I want to see the ending I know you guys want to see the ending so just get to the ending man.Okay I need to calm down I’m already riled up I don’t care how we beat it I don’t care if it’s the boat ending or the front-door ending. I actually want to get both endings so as soon as I get one you know I’m gonna make another Granny Chapter Two fitgirl repack trying to get the other one calm and collected let me try to remember the best way to do everything so first off I’m gonna check over here if there’s any spawns there’s a crowbar that’s good so if we can take out granny. Tell me there’s a stun gun right here that would be so good yes okay come here granny oh I’m so ready for this come on come on granny. I’m just gonna back up a little bit I don’t want her to get stuck in the doorway happens literally all the time come on granny .

I know you’re coming you just like move a little bit faster than I how far away were you why is she taking so long stay patient I’m not wasting any of my lives granny where are you man do you guys hear that just she’s definitely like what a movement going on hey come on get down here Granny Chapter Two free download PC game.Hello I’ve been standing here for so long like what is happening are they stuck what is going on why aren’t they coming downstairs what where are these doors opening and closing kyoool. I mean I might as well start searching around alright I would love the ammo there’s granny ok all right let’s get that key away from him there we go sure why not, let’s go deal with that right away because we don’t need the security key for anything else but this right here Granny Chapter Two torrent cool and then we can search up here while we have a chance be good to bring the crowbar.

Up here too so nothing there I think that I already hear them Granny Chapter Two fitgirl repack how long was grandpa out for let’s go back downstairs Oh actually let’s go in here I think they’re back now come on boxes cooperate okay well we know where the gas is you know the stun gun is on the main floor so that’s pretty easy to deal with is there anything on the bed actually no okay cool all right make it okay progress.Let’s see if any of them are right here let’s quickly look in here okay weapon key how should we do this let’s go ahead and what am I gonna follow right now hopefully that brings granny down there which should allow me to grab that weapon key Granny Chapter Two ocean of games.

I’m gonna be quick about it so weapon key needs to go downstairs as well so let’s put that down there just the weapon key as long as grandpa’s not right here okay we’re good, let’s climb up here all right we’re made okay progress we’re actually doing all right we do need to bring the crowbar upstairs.Okay boat steering wheel that’s good you bring the crowbar up here to open that other crate all right so we got the gas on the boat steering wheel so that’s a decent start okay I just don’t know like a safe way to go down now yeah granny’s probably gonna be coming oh there is a trap okay nothing in there might as well just try searching through as many things as possible there’s a door lock that’s good, where’s granny though she would have been coming too maybe. I can actually oh boy okay as long as I don’t knock the hangars over should be okay there’s a spark plug so if we get the padlock then we have what we need for the boat escape we got the gasoline in the bathroom oh please don’t come in here.

I just like close out again you don’t see anything I’m still okay okay so we need to put the boat wheel and the gasoline and the spark plug downstairs when you bring the crowbar back upstairs Granny Chapter Two skidrow. I just I don’t know which direction granny would have went she opened a door so that could mean a lot of things okay well okay so, that’s ready to go we don’t really have a choice we kind of just have to okay all right I’m dropping you all right okay all right that wasn’t good that’s fine we know that the stun gun is right there before we even get the stun gun we could put the spark plug and the boat steering wheel down that might be the way to do it and we can bring the crowbar up.Let’s do that then oh boy okay okay okay okay so crowbar right where’s the crowbar where’s the crowbar oh there it is and let’s just quickly double-check if there’s anything right in here I don’t think there usually is so we’re good oh oh come on man can I get that oh okay cool do you wish grandpa shoots okay good take that back oh here comes granny okay you too grandma boom yes.Okay we have some time so first things first steering wheel.

I’m just gonna be extra prepared get down the stairs okay then the spark plug over here I’m gonna get you downstairs okay okay and then you okay that’s a pretty good spot for the stun gun so now we can take the crowbar oh and we need to look up here too okay okay so there’s the cutting pliers we might as well deal with that right now well we got to be quick cutting pliers then we need to go upstairs with these so it’s fine that the crowbars up upstairs we know that it’s in the kitchen these cutting pliers need to be over here once we get the weapon and we know that the weapon key okay let’s go back downstairs and we can throw the gasoline downstairs okay okay okay this might work out actually so gasoline okay easy does it he doesn’t missus I’m just gonna hide down here and collect myself okay so we’re only on day two really on Granny Chapter Two pc download.

This is fine we’re kind of getting things together here I’m so determined to win this game we have the spark plug the boat steering wheel.The gasoline downstairs so while we’re down here we might as well take care of all that the crowbar is upstairs and the stun gun is right there on the main floor whenever we come up so we’re pretty safe.Right now if we can get the padlock key then we can escape with the boat we have the cutting pliers in place we have the weapon key pretty much in place, it’s just in the bathroom so we just got to see what the crowbar unlocks and that crate just let me just go down oh no they did who was that was that granny that went down is this an opportunity that I sense I don’t that running running running let’s deal with this actually might as well right now okay so here comes granny .He would have heard that so let’s be ready there we go gonna drop this right here nice little easy spot to get it and we’re gonna quickly search through the kitchen okay man guys think we might have this .

I’m feeling pretty confident we still need a boat key there it is okay I forgot about that boat key you go downstairs okay so you’re down there crowbar we searched everything else up here I’m just being absolutely extra certain crowbar right here what are we got we don’t need the crowbar upstairs though do we oh I think they’re gonna come over here.Now okay well we at the very least have the hand wheel which is okay it doesn’t quite help with the boat I want to lure granny overheat Oh okay I want to lure granny here now if I can then I know that they’re both right there and then I can go and deal with the weapon key. I’m gonna try that again come on granny come here granny come on Leah granny you can do it there we go so I’m gonna pick you up. I’m gonna do this still had the hand wheel on me there and was weird that’s all good I got the shotgun ah okay are they gonna be coming here now oh hey granny boom all right where’s grandpa you’re not still upstairs are you please don’t still be upstairs oh okay let’s go let’s go let’s go let’s go let’s go we already have what we need up here.

Oh guys I’m feeling pretty all right about this feeling pretty okay shoot so that’s open so now we can do this and what do we get from this tell me it’s the padlock key or a safe key or something padlock key oh okay so, if we make our way back downstairs now successfully and then we’re golden running right behind grandpa okay dropping you picking you all right one thing at a time okay boat wheel it’s not too sure if granny heard that like if she is she gonna be coming over there one spark plug please guys.Oh no grandpa saw me it’s okay I’m down here now it should be okay where does this go where’s sparkplug go here nice okay. I’m gonna hide here just in case guys guys we might have this we might actually have this fill it up with gas grab the boat key simple as that close that I’m just trying to figure out now how do I grab how do I use the padlock key here without making noise like Granny Chapter Two download PC game I need to have the I need to have the boat key down here ready to go somehow I’m not too sure.

I’m gonna do that unless I just take a death but I really don’t want to risk that either I definitely threw the boat key down here somewhere if I’m fast enough I can maybe do this quickly without getting killed if I just run into my room oh she’s right there did she catch me hole I don’t know. If she saw me did she see that oh oh we’re being so careful with our lives this time I don’t want to die even once okay where was the boat key where did I put that it’s got to be there somewhere. I know I threw it down the stairs didn’t I pretty granny go no grandpa Hawaii why though it’s okay quickly look around where’s the boat key where did the boat key go I just throw it down here somewhere I’m pretty sure I picked it up and like threw it back down here is that it well that’s the boat key okay I made noise but it’s okay because grandpa’s downstairs anyways so now we have the boat key we just got to go to the boat and drive away or whatever you would call it boat away float away you drive a boat right sail a boat no.It’s not a sailboat you just wrecked it doesn’t matter we’re gonna leave this house on the boats granny’s downstairs right now I’m pretty sure grandpa should be gone by now maybe so close quick little peek oh come on hmm okay I close the door grandpa’s still downstairs but it’s all fine okay granny sorry her name’s granny.

I just need a bucket down there man and then I’ll be okay I do another little peek running running running running running is this it did we do it engine starts let’s go let’s get out of here that’s right yeah that’s right you guys blew it okay we be after so many tries ah but now we ought to beat it again and we got to go through the front door this time we were really close last time all we would have had to do was get the safe key .I don’t even know what we missed we would have used the hand wheel and then we would have just needed to look in what would if we miss I don’t even know what we would have been missing if we didn’t escape with the boat maybe you can to always necessarily escape both ways no that can’t be true you should always be able to escape both ways I don’t know all I know is next time .

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.

Prison Architect Psych Ward Warden’s Edition Download

Prison Architect Psych Ward Warden’s Edition Fitgirl Repack Free Download PC Game

Prison Architect Psych Ward Warden’s Edition Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Prison Architect Psych Ward Warden’s Edition Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Prison Architect Psych Ward Warden’s Edition Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Prison Architect Psych Ward Warden’s Edition igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Prison Architect Psych Ward Warden’s Edition for Android and iOS?

Yes you can download Prison Architect Psych Ward Warden’s Edition on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Prison Architect Psych Ward Warden’s Edition

Now to download and Install Prison Architect Psych Ward Warden’s Edition for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Prison Architect Psych Ward Warden’s Edition on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Prison Architect Psych Ward Warden’s Edition Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Prison Architect Psych Ward Warden’s Edition Review ,Walkthrough and Gameplay

Hey hooks it’s Prison Architect Psych Ward Warden’s Edition dlc download, here how you doing welcome to my first look at Prison architect.The Prison Architect Psych Ward Warden’s Edition igg games, we got the sneezer update this is the new content that they have just released and they have very very kindly the people at paradox contacted me and asked me if I would like to have a little look at it very very kindly provided me with a key for the new content.So I just have a quick look through here we’ve got a Windows can now be added on both sides of new walls I don’t know how much of this is part of the new update there was a reasonable download to go with it there’s loads of things in here quality of life tazer legacy others some fixes have been done.For other things but is there’s a whole load of new items materials and things like that windows can be added both sides of vertical wall art deco and oriental new walls we’ve got new floors limestone flowery field grass and stone sandstone lunar the objects sink hand drywall signs spooky and sakura trees cactus Park wench moose head and more new doors guards gates and secret bookcase door new sign sign post rooms such as canteens and showers grass corner to create angled pathways okay that’s pretty good Prison Architect Psych Ward Warden’s Edition ocean of games.

Multiple new dog types to choose from before and during a game option to choose a wall type for quick rooms room colored overlays can now be turned off in game options extra most used item menu filter has been added bridges are here.Lay them over roads water another land for staff or prisoners to cross rebalance daily payments for higher risk inmates maximum security protective custody death run criminally insane pay more. I’m not gonna bother reading any more of this because there’s loads of stuff there and the big thing about this update is that you’ve now got criminally insane people you’ve got basic cells holding cells where’s the new cell as a shared there’s a luxury Pat there look right you’ve got the psychiatrist office is a new thing so, we’ll just come in and we will very quickly Chuck down. I’m gonna do a very short video of this of some of this new stuff that we’ve got just so you can take a quick look at some of it so you’ve got a padded cell right there you’ve got a padded holding cell right there you’ve got a padded medium cell padded small cell that one there is oh it’s a padded solitary cell that one is so there’s some new stuff there the reason.

Prison Architect Psych Ward Warden’s Edition Download

I’m only just doing a very quick look it’s because we already have an ongoing series for Prison architect on this channel and I will be integrating this into the series it’s just you’re not gonna see it start turning up for probably another week before we start getting into this stuff and adding it into the prison the whole idea of having a prison for the criminally insane absolutely appeals to me I think it’s a wonderful idea Prison Architect Psych Ward Warden’s Edition torrent.

I would like to be able to do it I would absolutely love to be able to add that in as well let’s just make this a little bit easier by, oh we’ve also got psychiatrists that’s another one that they’ve added in so that they can wand around and they can help the criminally insane people as they go through we’ll add in a couple of those and then we’ve got loads and loads of new things. In here sign canteen showers armory so all of these different signs you’ve got various different paintings chest butchers table alright we’ll put one of those out so you loads and loads of extra bits and pieces have all been added in gravestones and supplied for every death it takes base in your prison okay so we can actually build a cemetery if we start having people dying with me in charge people dying is Prison Architect Psych Ward Warden’s Edition pc download.

It’s generally something that does happen we can actually start building a graveyard for it that’s wickedly cool I love that footbridge right here oh I see that comes out that starts there although I don’t know why inmates and staff cannot be built over walls fences and other buildings outdoor only. But I want to build it over anything else but I’d like to be able to build it look it’s not let me do it right steel footbridge there I’m not quite sure why it won’t let me thus know this this just requires we got the the room requirements in here it they they do need power so ,we’ve got those items in there staff in here we’ve had a look we’ve got the new psychiatrist dude objects there’s a lot of them in here there is a lot we’ve got plants in here we’ve got a cactus you can add one of those in we’ve got a lamp the bathroom sink there was this wooden tables here we’ve got new options for wooden tables we got a classy windows put one of those in there to see what it’s like we’ve got a painting where can I put the painting and prison.

This isn’t sell what no oh I see right how do I put the painting on the wall just because it’s prison doesn’t mean we can’t keep it classy right this oh right I can I can put I see right it’ll go there on the wall can’t put it in here and it doesn’t look like I can’t I can put it into a prison cell, but I can go and put it in his office I can’t put it that side I can only put it on that wall up there so, I’m gonna hang a painting up there on that wall we’ve got a leather chair here I’ll put that in the padded cell give him somewhere comfortable to sit down it’s know recently can have somewhere comfortable we’ve got window a large glass we’ve got large standard we’ve got sink and mirror a gym mat a table football.

I could go in there you can play a bit of table football okay so some pretty cool stuff in there rooms in here we’ve got you can dedicate a padded cell psychiatrist office padded cell solitary and padded holding cells we’ve already got all of those so we don’t eat we’re about the flooring we’ve got limestone flooring we’ll put some of that in there I got blue carpet which I will do for the bottom half of that one there Luna a hardened rocky surface with an interstellar look all right Prison Architect Psych Ward Warden’s Edition fitgirl repack .I buy that just put some of that down grass and stones will put a bit of that down as well bamboo floor okay I like the idea of this I do like the idea of some bamboo floor running track yeah that sounds a little energetic for my tastes.

I’ve got to be honest paddock we can have a padded floor in here so we can do that you can’t do padded outdoors but we can do a padded floor in there so, let them do that oh I see look it is actually padded you can see the padding on there as well I like the bamboo one I do like the bamboo flooring that they’ve got going on this that’s quite cool and grass corner right here for footpaths they put that one in there so, then I can put that up like that for a diagonal edge bring that in there look at that that’s fantastic and then you’ve got a that’s a really cool edge on the end of it there for paths going around corners in that we’ve got a sandstone floor right here glad some of that in there you go that can go over that bit and I’ve got brown carpet but some of that in there.

There is our new okay the Sun I like the sandstone one that’s quite a cool one that will fit our desert theme and also that bamboo will and not a desert our jungle theme that we’re doing the sandstone that one there and that one there they’re gonna fit our desert theme that we’re busy working on at the moment. Wow look at these we got loads of stripy doors in here let’s stick a stripy door on there we’ve got that the oak out and what that noise was we’ve got some yellow stuff going on here that’s pretty cool. I like these oh I love the bamboo gates oh that is an ax bamboo fence oh I am loving this because I’ve got what you know we got a jungle theme going on with thing at the moment let’s go really fast so that we go through the night we got slum walls got derelict walls we’ve got overgrown what this is fantastic so I don’t know what ,the gameplay is going to be like when it comes we’ve got the hedges already in there we’ve got a cushioned wall here that’s gonna be an internal wall in there an oriental wall that one there classy blue stripes classy green we’ve got all these fit this is absolutely brilliant we’ve got slum walls this is fantastic.

I love the bamboo wall that is awesome that is genuinely brilliant and then we’ve got foundations in here main ones there and then more wait a minute building brick more in here if I say wall classy Burgundy they’re the foundations and then I go building brick like this and we go for walls and doors and I go with a bamboo door on our bamboo gates on there.They should go and build that we’re just about run out of money.But look at all of what we’ve got here I got a load of prisoners have just come in which shouldn’t have let’s get some staff going shall we put any guard yeah so we’ve got two guards although I don’t have any power on any of that so it’s not like they can do anything there we’ve got overgrown walls and here we’ve got a slum wall so, I’m like you can really go for a theme on this now right that one right there that didn’t change the wall on there we’ve got more in here and I can go for a classy wall like that I see I understand now I understand how it works right I go here and I go building brick.That it’s just a brick wall isn’t it and that’s a concrete wall if I go into more in here and I go with an Art Deco wall like that there that puts that on and we can have a bamboo gate on it as well so I go back into here and I go to more Art Deco slum a rusty wall okay there’s the Art Deco.

That looks pretty cool and that’s this is absolutely brilliant this is amazing right that’s those bits Prison Architect Psych Ward Warden’s Edition download I’ve just about out of time I don’t want to do too much more now I would like to sit so, right here is the new ones you got you got prisoner transfer. I don’t know what prisoner transfer does right that’s the intake oh wait a minute huh high-risk prisoners that are too dangerous at other prisons are offered from time to time b1 there’s a reason they pay highly these are hardened criminals that no other facility wants to take so if you’ve got a decent supermax prison going on and you’re able to take them in you could get some prisoner transfers coming in as well it should be pretty cool criminally insane inmates with a constant level of suppression and require new padded cells and psychiatric help to reduce their privacy comfort safety and freedom needs Prison Architect Psych Ward Warden’s Edition download.Before they ignite you cannot request criminally insane inmates until you have some padded cells ready or a padded holding cell normal cells can be converted to padded cells via the room’s menu right so you’ve got the criminally insane and there’s a whole new sort of thing going on without now that’s just a really brief look at some of the stuff that is available with this new one criminally insane wing in there right this is just a really brief look at what is available with this new update its new expansion at they’ve released okay I think it’s abs it looks absolutely fantastic got loads of extra stuff.

If you’d like to see more of it then please check out my regular series every other day there is an episode of Prison architect and I will be putting all of this that we have just covered into the new update as well I need a warden to be able to unlock the bureaucracy let’s just do that a minute I just want to have one very quick look at that in error I got a warden there he is he needs an office but too bad he can’t have one for a minute and have we got any just looking, to see if I recognize anything see anything that is particularly different it doesn’t appear to anything different. Oh orderlies there that’s a new one right there um normal guards prohibited from attacking criminally insane remember inmates azomite hurt them in the process orderlies are specially trained to restrain the criminally insane without harming them orderlies up will also fit straight jackets to psychopathic inmates at nighttime to prevent them hurting themselves overnight so, there’s a new thing that you’ve got to unlock in order to be able to manage the criminally insane people at the same time that’s all the stuff that we’ve got.

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.

STATIONflow Free Download PC game

PerfectLover Fitgirl Repack Free Download PC Game

STATIONflow Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install STATIONflow Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download STATIONflow Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download STATIONflow igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

STATIONflow for Android and iOS?

Yes you can download STATIONflow on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install STATIONflow

Now to download and Install STATIONflow for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download STATIONflow on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING STATIONflow Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.

STATIONflow Review ,Walkthrough and Gameplay

I’ll come to some seconds the place to find new strategy games and today we’re gonna play STATIONflow download PC game, that I’m super excited to show off it’s called station flow gaming to early access on Steam on 20th of December and it’s sort of like a peeps connection to Metro game we sort of have to do signalling and stuff in a super collider. I’m playing it last night and I played for doula our stairs like a ghost our recording was gonna in the middle of the night so, I couldn’t I was like I still got this morning are we gonna do this so it’s morning so let’s see this now you’re not gonna start from the beginning really start from the end of level 1 just because the game gets more complex as it goes and I really want to show you the complex stuff because it’s so much fun STATIONflow igg games.

So I’ve sort of like leaves the beginning all of it by myself so let me talk to you about what is actually this game about this is a subway sort of like a connection game so, first of all since a big thank you to the developers for the key and essentially what you do is you’ve got this platform down here this this big Metro platform and this is where the metros comes or the subway and the people then go from the matter to different kind of exit so they move towards these we have a lot of exits we have like a to a STATIONflow torrent download and what you do you need to connect it’s already connected with the corridor so you essentially build corridors like this STATIONflow fitgirl repack.

I’m gonna show you as soon as it’s the next day and we get to connect more stuff and then you need to make signaling where essentially you sort of build signals like this let me show you a signal I’m gonna place places signal him and say hey everything which is the metro and all the a exits except 83 are in this direction STATIONflow free download and you get points depending on how happy people are which is you can do you have no people in the station because it’s almost midnight it’s gonna be the end of the day but people can get lost later on we can get stuff like food so they can search for food and then they can like want to find the toilet or that tourist they might just need information because they don’t know what exit they want so they need to check the information and you need to make sure that everybody knows where to go and doesn’t spend unnecessary time sort of being lost and then of course you have to handle your money but haven’t found money to be a big problem so far STATIONflow free download.

I got to like or something was like I gotta stop this alright so on the first day which I did by myself people are super happy and everything and now we get an a star rating and we are going to move to the next week’s going to unlock new things like drinks and it’s going to upgrade the first exit which means that more people will now be coming from this particular exit you can see it here you can see that this is like a two level and this is one level so now people are gonna be coming from here and they will want drinks so what do we here to do my mouse good stuff what we gonna do is we gonna make sure that people are looking for drinks have a place to find them so we should decide where we want to have our drinks so firstly I think it should would probably be a good idea to have some sort of drink sort of like down here like this moment it come out of the metric and go and have a drink and then we’re gonna place some I’m thinking let’s create a small plaza or something like a plaza maybe here in the middle and then this could be our sort of like a drinking spot so we could make this a bit wider STATIONflow skidrow.

We’re gonna place it over here and this is how you place a corridor now as in the real life it takes a while to build stuff so it’s actually a pretty important that you started building pretty quickly because if it takes a long time well done there’s no drink it and we’re gonna have a signals going this way over there now every time you sort of make an intersection I have noticed that it’s kind of important to give signaling in all the direction and rest to people – oh I don’t know where to go so, let’s just say that everything except a1 and drinks is this way also we should probably say the towards drink you could also get to a1 this way if you really want it to and then we need to add a new sim arrow this way which says hey go to 8th year but this is our first thing I’m gonna do the same signaling over here so this is gonna say drinks and then we’re gonna have one that goes this way and this is everything except a2 and this could also say oh and this is also except a 1 right because a 1 is behind so we’re gonna set one more a 1 and it’s in the moment it seems like it’s not gonna be excited matter s3 this game is very exciting it’s just gonna it’s gonna wait for it a little bit alright next we gotta add drink signage to everything else so we can go downie click see on the keyboard you go but we see the training go below and if you click as you go above like on the Mexico because they’re gonna be multiple it’s gonna be elevators they’re gonna be escalators they’re gonna be like I don’t know toilet rooms which are really big and you’re gonna fit them somewhere and it’s just there’s a lot of stuff happening ok now what you can do and I really like it let me show you if you click on this person he came from pot from Pima.

He’s trying to get to a 3 and you can see sort of like a view this is his view and he’s like. Okay looking where to go and he started he was like kind of slowing down so I don’t know where to go and then he saw this sign this is go up the stairs for all a exits and he’s like okay I’m going up the stairs now it’s starting here I’m climbing the stairs and then I’m like okay well what is he doing that he’s like okay 83 is this race is going this way very very good now we didn’t say on this I need to go to drinks are so we gotta see the drinks are here and then you should probably play some drinks because we said that the drinks are here now kind of like placing them sorta in the middle and he could have won back-to-back yeah I think that would be cool and maybe one more over here just so it looks big nice and then later we’re gonna have like information boards and we could place those on the you know like on the other side it’d just be real nice if you gotta move this there yeah you know information boards in between and we’re gonna have like a blossom it’s just it’s gonna be really cool this game it’s just not keep saying that okay so essentially what happens is we have here the current station rank once we get to maximum these sort of progress to next level this is us the current evaluation the valuation is based. How happy people are but also on you can actually give a sign down it it’s also based on like how many exits you have opens or indeed if all exits open but it also might be that you don’t have all exits open so immensely mellow right now interesting point here is he I said he but the drinks are this way but on the stairs it doesn’t say anything about drinks so it can happen is that people kind of turn around say wait wait but it’s a that ordering this but now the stairs don’t say to drink.

 

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.

Lilly Knight and the Three Cities of Lust Download

Lilly Knight and the Three Cities of Lust Fitgirl Repack Free Download PC Game

Lilly Knight and the Three Cities of Lust Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Lilly Knight and the Three Cities of Lust Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Lilly Knight and the Three Cities of Lust Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Lilly Knight and the Three Cities of Lust igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Lilly Knight and the Three Cities of Lust for Android and iOS?

Yes you can download Lilly Knight and the Three Cities of Lust on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Lilly Knight and the Three Cities of Lust

Now to download and Install Lilly Knight and the Three Cities of Lust for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Lilly Knight and the Three Cities of Lust on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Lilly Knight and the Three Cities of Lust Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Lilly Knight and the Three Cities of Lust Review ,Walkthrough and Gameplay

So got some major issues with this Lilly Knight and the Three Cities of Lust download and before you even ask this is gonna be a Lilly Knight and the Three Cities of Lust fitgirl repack review, it’s not how to beat this dungeon good I can tell you tips I will tell you how to beat the dungeon but I currently can’t do it because I don’t have any of the heroes required for it and I can only borrow one so there is a chance that I can beat the dungeon but the problem is it’s not gonna be a consistent way like it’s gonna be look if anything orangey and even a heavierLilly Knight and the Three Cities of Lust igg games.
Than before so the way this dungeon works use your bonus units of course theyLilly Knight and the Three Cities of Lust torrent said because why not everyone has them at 666 that’s been playing for two and a half three months or more so that reallyLilly Knight and the Three Cities of Lust ocean of games.It’s as such it would be such a good here on here Cordelia she would also be a really good here on here but of course they had the nerve for her because you know you that’s how it goes so of course the new banner unit Emilia gives you the attack bonus Elizabeth if you haven’t ever she was a banner unit from a couple weeks ago increase allies abnormal status immunity. About 50% really strong in this dungeon by the way because of the charm mechanic the Lilly Knight and the Three Cities of Lust pc download can’t get stupid overpowered in here and fencing tutor Jacqueline increased wind allies recovery mode by 50% of Jackman’s in the party Jacqueline’s good if you got her you know you can run her but mostly for the the Lilly Knight and the Three Cities of Lust skidrow.
Because she gets buffed up when there’s more d buffs and a lot of the heroes you can put some pretty good d boss in here so i’ll tell you about this Lilly Knight and the Three Cities of Lust, I’ll show you what I’m running because literally I don’t have any of those heroes so that’s I experimented with a team so this is gonna seem dumb but tear me up so I’m bringing tayo so, here’s the issue I have number one my fifth one unit that I have would not work here I have a couple that are nerfed and then one of them that’s just it’s just not gonna work she’s too low she doesn’t have the gear etc so I’m running this team and with this team the reason I’m bringing well actually kind of explain how this dungeon works so the issue with this dungeon is not only have they nerfed for Dewey .
Sid but all male characters will get you Braddock ated on turn or excuse me face three because the boss deals bonus damage to male characters and even if with tayo you can go in there with tayo at full health you can have hit his three at the end of the second phase to get his damage mitigation of 50%Lilly Knight and the Three Cities of Lust will just one shot him doesn’t matter so it’s it’s it’s the way the character works but of course when that’s in the Advent dungeon they amp it up by like a million degrees so it gets pretty done now what I am searching for actually wanted junior as dumb as that sounds because this hero is best for damage output Amelia because she gives that 200% bonus.But unfortunately it doesn’t look like I have a friend who as a junior so I’m screwed most likely and this might be double Kali might work Lilly Knight and the Three Cities of Lust free download thinking about it you know maybe I might try that later but until then I’m actually gonna bring in just to show you guys I will bring in one of the Amelia’s try to see who is the most health 148 base crit damage 64 percent versus 106.Things a little lower ones a little better by the way if you bring in Yin in here you and gets one shot actually not bad I’ll bring ashes because uh they’ve basically made it so that all the tanks in this Advent that you can bring that or good would get one shot somehow including electro because male characters are nerve also all fire characters are nerf let me just show you the dungeon.
Okay I’ll go over the mechanics with you and do it’s pretty done how they’ve made this dungeon this is by far the worst design dungeon in the game so far because Nikita Sundra was kind of rough but at least Nikita’s dungeon on occasion I could beat it with two non water heroes in this dungeon it is very hard so this first phase what you gotta look out for they’re fully susceptible to pretty much every debuff but basically if there’s a charm mechanic in this dungeon and the charm mechanic is not only do they charm you but they also have eight if they hit you while you’re charmed it doesn’t have a chance to break the charm it just so you’re just like sitting and charm for like freaking you know forever so in her in the in the case of these first two low chance to cuts lethal Beauty when attacking has a high chance to stone upon the Tekken  7 fitgirl repack enemy with lethal Beauty lethal Beauty is the charm in this dungeon so lethal Beauty if they attack you again you have a chance to be charmed and still in lethal beauty so and normally you would just bring Roux to dispel it but root gets marked and immediately one shot in phases two.

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.

Witchcraft Pandoras Box Fitgirl Repack

Witchcraft Pandoras Box Fitgirl Repack Free Download PC Game

Witchcraft Pandoras Box Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Witchcraft Pandoras Box Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Witchcraft Pandoras Box Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Witchcraft Pandoras Box igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Witchcraft Pandoras Box for Android and iOS?

Yes you can download Witchcraft Pandoras Box on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Witchcraft Pandoras Box

Now to download and Install Witchcraft Pandoras Box for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Witchcraft Pandoras Box on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Witchcraft Pandoras Box Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.

 Witchcraft Pandoras Box Review ,Walkthrough and Gameplay

Today I’m back with another review and we’re gonna be looking at the all Witchcraft Pandoras Box download PC game, now I just picked this up just got in the mail been able to try it out for a couple of days I’m gonna give you my thoughts on it .So let’s get it on if you’re an old-school gamer especially old-school gamers because us old Witchcraft Pandoras Box fitgirl repack.

We used to go to arcades we remember playing with these joysticks we remember playing with these six buttons we remember putting coins in a machine in order to play a game we also remember putting our coin up for the next spot well look no further you can go and pick one of these up right.Now I’ve always been a little skeptical of these devices because I’ve heard some bad horror stories just like they don’t work sometimes where they come with duplicate games a lot this one is the exception I bought this one on eBay. I’ll make sure I leave a link below to the site where I got it from very trusted seller I appreciate everything they did for me they got it here really quickly but this is Pandora’s box this thing has thirteen hundred and eighty-eight games all different games games from pac-man to Galaga centipede to contour ax to X million vs. Street Fighter to the simpsons arcade game you name it basically it is on here anything that you would be looking for that used to be in an arcade .

If you remember going it will be on this so first I’m gonna give you a quick rundown of how this actually works we have the joysticks these are one and two player we have our buttons up here as you can see one player over here two player over here this is our pause and our stop button or pause and play button this is how we insert coins into the machine so no more slot we have our six buttons Witchcraft Pandoras Box torrent download and F on both sides both configurations nice tactile buttons joysticks really work well buttons are nice and clicky I really like it in the box you’re gonna get one of these a VGA cable set that’s inside USB 2.0 and extra buttons remember this is USB 2.0 not 3.0 .

Let’s turn it around you also get a 6 foot HDMI cable and a power adapter right there I have that set up on the back you have your power button your power input right here HDMI cable your VGA audio out volume right here this you reset and these are your two USB 2.0 on the bottom for this you have little stability grips screwed on it’s built nice and tight I really am enjoying the quality of it this base has its own speaker system built into it that’s why you have the audio jack out but I’m using the HDMI out which has its own power it has its own video and audio if you use the VGA and you want audio out you must use an auxiliary cable to do that so now that we’ve been through the basics of the actual setup of the machine I’m gonna plug this in we’re gonna get some actual video and I’m going to show you how some of the games work so stay tuned this is it this is the actual Witchcraft Pandoras Box ocean of games screen as soon as you turn it on this is what comes up these if you look on the left hand side that’s game zero zero zero one I’m just gonna go all the way to the back and this is game 1388 so right off the write off bat you get 1,300 games all the way from A to Z.

I’m just gonna scroll through some of these and even show you a little bit of the gameplay just so you can see how this is working so here we go [Music] [Music] all right so I think we flipped through enough of these games I’m all the way back to the two hundreds we can keep on going but I want to show you some of the actual game play let’s get started Witchcraft Pandoras Box igg games.

Just like I said this is Pandora’s box 60s this is the brand-new 2018 edition you can go and pick one of these up on eBay I’m gonna leave the link below to the store where you’re gonna get one of these like we just saw all the awesome games you can have this is gonna run you about 120 so go about and check them out trustworthy psych trustworthy seller don’t be skeptical.

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.