Tag Archives: Fit girl Repack

RC Rush Fitgirl Repack

Genres/Tags: Arcade, Racing, Third-person, 3D
Companies: Tea Monster Games, 4 Fun Studio
Language: ENG
Original Size: 3.2 GB
Repack Size: 2.1 GB

RC Rush Fitgirl Repack Download PC Game

RC Rush 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 RC Rush 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 RC Rush Fit girl repack is free to play the game. Yes you can get this game for free. Now there are different website from which you can download RC Rush 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.

RC Rush Fitgirl Repack for Android and iOS?

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

Also Read:

How To download and Install RC Rush Fitgirl Repack

Now to download and Install RC Rush 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 RC Rush on your PC. You can find the download button at the top of the post.
  2. Now the download page will open and start RC Rush Fitgirl downloading. There you have to log in. Once you login the download process will start automatically.
  3. If you are unable to download this game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download the RC Rush Fitgirl game on to your PC.
  4. Now if you want to watch the RC Rush Fitgirl game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING RC Rush Download

Screenshots  (Tap To Enlarge)

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

RC Rush Gameplay and Review

This paired with a turbo button is extremely useful, because a lot of games in the early RC Rush game download looking for a slower CPU, and the turbo button, you enable that, and it’s going to slow down your computer. What it does exactly is gonna vary depending on the computer you have, but generally, it slows things down. I’ve done an entire video about this in the past, so if you’re curious, you can check that out. As for the operating system, this thing runs MS-DOS 6.22, but I also have another RC Rush download card that I swap out with Windows 3.11 on there. But the thing is though, it doesn’t stop there! This computer is great for a lot of things, but there are games earlier and later and even around the same time that is way pickier and… this is just not going to work with it, or at least it won’t be ideal. I keep several early IBM PC compatibles hooked up for older games, like original IBM PCs with a 4.77 megahertz 8088 and some with an 8 megahertz, 286 CPU. These can be very valuable for early ’80s games, throughout around 1987 or so, and as far as sound, *Chuckles* there’s not much.

These just come with a PC speaker, or in the case of my IBM AT, and RC Rush igg games. Yes, just the original AdLib, which gives you that twangy FM synthesis sound. And it’s also worth noting that if you get many, many later cards that are compatible with the Sound Blaster standard, they’re gonna give you that AdLib FM synth sound, either in RC Rush ocean of games or something emulating it.

A slight step up from these is the 386 machines that I keep around, such as these computers that are around 16 to 25 megahertz, a 386 SX or DX. These are amazing for games that run too fast on even a mid-range 486, but are too slow on a 286 or 8088. Perfect for earlier VGA games and later EGA games, and I usually pair these kinds of things with a Sound Blaster 2.0 or equivalent. I also keep several machines set up with Windows 3.1 and 95 on there all the time. And these have anything from a 100 megahertz 486DX4 CPU, all the way up to a 233 megahertz Pentium MMX. Usually with SVGA, a Sound Blaster 16, or one of those clones from the time period. And finally for later ’90s Windows gaming, I largely stick to Windows 98 Second Edition and Windows XP machines. something with around an 800 megahertz Pentium III, on up to a 2.4 gigahertz Pentium 4, depending on what I need. Voodoo graphics are what I stick to for these for the most part, since the supplied 3DFX Glide mode, which is an incredibly popular thing, is different than Direct3D and OpenGL, so that’s worth keeping in mind. And some of the later ones I’ll stick a RC Rush torrent or an 8800 Ultra in there. And as far as displays, uh, I typically recommend going with a CRT if at all possible. It takes up a lot of space, but the result is fantastic in terms of reproduction of what the games are originally supposed to look like. And while I do still use certain older RC Rush fitgirl repack every so often, it’s only if they’re the right aspect ratio and don’t do weird things with the scaling because sometimes you can end up with stuff that looks blurred or the pixels aren’t the correct size. You don’t always have square pixels in these older games.

And typically, as far as sound cards go, you do want something a little better than Sound Blaster 16 for Windows 98 Second Edition or Windows XP. Something like the Aureal Vortex 2, which provides RC Rush PC download, a fantastic early 3D standard. I use that in a couple of my machines. And yes, Windows 98 is still built on top of MS-DOS, so things run quite well in DOS mode for the most part, but you do wanna watch out for compatibility issues in terms of graphics, sound, and CPU speed. And I’m not really gonna talk about Windows XP, since it doesn’t really have a proper DOS mode, and that’s getting into DOSBox territory, and you can start moving onto emulation and virtual machines anyway. With all that being said, though, there are so many other points of view on these kinds of topics.

So, without further ado, let’s get to our guests in no particular order, and we’re gonna start with Nostalgia RC Rush game download, my name is Nostalgia Nerd, and when it comes to DOS gaming, *this* is all I need.

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging

Grand Theft Auto V v1.49 Download

Grand Theft Auto V v1.49 Fitgirl Repack Free Download PC Game

Grand Theft Auto V v1.49 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 Grand Theft Auto V v1.49 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 Grand Theft Auto V v1.49 Fit girl repack is a free to play the game. Yes, you can get this game for free. Now there are different websites from which you can download Grand Theft Auto V v1.49 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.

Grand Theft Auto V v1.49 for Android and iOS?

Yes, you can download Grand Theft Auto V v1.49 on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Grand Theft Auto V v1.49

Now to download and Install Grand Theft Auto V v1.49 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 Grand Theft Auto V v1.49 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 log in. Once you login the download process will start automatically.
  3. If you are unable to download this game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download this game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING Grand Theft Auto V v1.49 Download

Screenshots  (Tap To Enlarge)

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

Grand Theft Auto V v1.49 Download

Grand Theft Auto V v1.49 Review, Walkthrough, and Gameplay

So let’s get started. “Grand Theft Auto V v1.49 update download ” is a space sim, set about 1300 years in the future. In this future, killing the innocent is okay, as long as you pay a fine, and killing less innocent or evil fine Grand Theft Auto V v1.49 gets you the money. SYSTEM: “Target destroyed.” You don’t have to shoot people in the face, because there are a lot of other things to do. And there is literally a lot of space to do it because the game takes place in a 1:1 scale of our galaxy. So, if you want, you can go and visit any of the game’s Grand Theft Auto V v1.49 download star systems. According to the developers last April, the player base has mapped out about 0.036% of the galaxy.

So, if you’re worried about not finding new things, there are still about 50 000 years or so to go. This universe is run by their servers, so there’s no offline mode. However, playing solo or in the MMO universe with other players will still affect the same galaxy. We’ll talk more about that in a bit.

For now, I wanna focus on the presentation. Because, visually, “Elite” looks great! It’s hard to believe it came out back in 2014. The lighting, reflection, and shadows are really impressive. Seeing a star glare off your cockpit and shadows move across your dashboard is one thing. Seeing it happen across an entire planet’s ice ring is quite another. Whether it’s space phenomena, something manmade, or a little bit of both – the realism approach makes it all interesting to look at. This goes doubly for all the ships in the game. They’ve added a bunch over the years, so there’s a large amount of variety. These ships are also hugely customizable.

There are paint schemes, dashboard items, weapon colors – it really just goes on. The same goes for your rover or character if you want to make a space DarksydePhil or something. There ARE microtransactions, and, unfortunately, I think they fall on the steeper side.

The good news is: currently, they’re the only thing you could buy with money – no gameplay advantages – and you can earn the currency just by playing the game, and never have to pay anything. But there is a weekly cap on it, so it might still take you a month just to get a paint skin.

It is nice to have the option of just playing the game to get them because most games don’t do that now. It’s a long lost fight… I guess this is fine. Beyond that, the level of detail these ships have is insane. These are the most detailed and gorgeous ships that I’ve seen in a released game. RELEASED game! Don’t you start! I wonder what year that joke will actually age in…? Anyway, ships are cool, space is weird and planets are planets. The visuals set a really high bar, but here’s the thing: the game sounds even better. [rising humming] [rising humming] SYSTEM: “Four, three, two, one… Engage.” [sharp dive into muted hum] [tense humming of the engine, sharp sounds of weapons, hectic chirping of the dashboard] [tense humming of the engine, sharp sounds of weapons, hectic chirping of the dashboard] SYSTEM: “Target destroyed.” [quieting humming of the engine] TRANSMISSION: “Good shooting, Сommander!” [quiet echoes of blast charges] [booming explosion] [chirping of sensors] [crackling of cockpit glass] [abrupt silencing of almost all sounds, the past hissing of escaping air] [abrupt silencing of almost all sounds, the past hissing of escaping air] SYSTEM: “Cabin pressure alert!” [sound of breathing inside the space suit] SYSTEM: “Atmospheric failure!” This is one of the best sounding games I’ve ever played. The quality of the sound, the variety, the mixing of it – it’s all just… perfect! Like Italian chef kiss. *Mwah!* It has to be heard to be believed. Ships can range from sounding like a World War II biplane to just… “Star Wars”. The menus have a shuddering sound that reminds me of “Alien”.

I’ve had friends with Grand Theft Auto V v1.49 free download telling me that this game becomes transcendent with one. And you know what? I can completely believe that. “Elite” just knocks it out of the park when it comes to presentation. For whatever reason, I always feel like I’m playing a “Dead Space” game. Probably due to all the barren planets, the orange holographic menus, the computer voice, and evil companies. It could also be the terror from beyond the stars, but let’s not go there yet. When it comes to the gameplay, one of the first things you’ll likely do is adjust the controls. It is easier to use a flight stick or HOTAS, but I had no problem with the mouse and keyboard too. When you see that the controls menu is as long as a CVS receipt, you might get worried, but it’s not too bad.

They recently added a bunch of new tools and tutorials, that you can access at any time. This makes the learning curve not nearly as daunting as a lot of other space sims. Trust me, it could get really dull out there. The game is easy and smooth to control. It mainly plays more like a spaceplane, so you’ll be at home if you’re used to traditional flight games. You could also flip off controls to move it exactly like a space ship: maintain fast momentum in one direction, but turn around to face another, like if you’re being chased by somebody. Or you just wanna gently float by an asteroid field, scanning for goodies, but don’t wanna keep flying through all of it.

Flying is fun, and it’s cool to see how different ships or even different parts can change the handling. Docking can be tricky if you’re new to the game, or just haven’t played in a long time. Then again, maybe you bought a ship that’s much bigger and slower than you’re used to. Grand Theft Auto V v1.49 download The same goes for supercruise traveling throughout a star system. I don’t have footage of it, but when I first started the game years ago, I would keep boomeranging around the system, cause I couldn’t time it just right. I mean, yeah, you could keep it in the blue, but that takes forever. If you were tormented by this, they added an item earlier this year to help you with that. Just let the ship do it and look around at all the pretty sights. But you might have to wait in the queue if you do that.

You have to remember, this is a British game developer. Yeah, don’t use that if you know what you’re doing. The ships have solid controls, and if you don’t feel fast enough, just put more power in your engines. That’s just on the move, because, of course, if you wanna Grand Theft Auto V v1.49 That’s just on the move, because, of course, if you wanna st- OUGH! Christ, what a dick! KID KREAL: “Hey, let me drive, you almost hit that guy!” Grand Theft Auto V v1.49 “We’re fine, don’t worry about it!”Grand Theft Auto V v1.49 “We just gotta find Mandalore, force him to let us be in his video, and then our careers will be smooth sailing, I’m telling you!” KID KREAL: “He doesn’t want us in the video, dude…” KREAL: “Yes he does! He just didn’t… tell me where he parked his space ship…” KID KREAL: “Oh, I’m sure…” KREAL: “Shut up, Kid Kreal.” There’s an extensive amount of ship customizing when it comes to parts. Your ship could be set up as a Grand Theft Auto V v1.49, a miner, an explorer, or a jack of all trades. Anyone can lob a missile at you in space.

It goes even deeper than that because each part might have different sizes and classes. You could put the best stuff on, but they might be heavier and need more power. One part might be cheap and less efficient, but it’s a lot lighter, so your ship is more maneuverable and can jump farther. What about weapons? Fixed ones are more reliable, but you have to maneuver carefully to line them up. So there’s a consideration of putting on nothing but gimballed weapons, which will automatically track your target. No more having to line them up all the time, right? Well, they might not hit as well. Especially when the other ship starts electronically jamming them. So there is a lot to consider, and you can spend a long time planning out your ship build. Some ships can fit a fighter hangar, and you can have an NPC fly it, or fly it yourself. If you want to explore, do you wanna bring rovers along to land on planets? How many should you have? It will be a long trip – might wanna repair module for our ship and maybe a fuel scoop for going by stars, and it… it just spirals from there. You can fit a ship out for anything you want. “Elite” hopes you like this part. A lot. After all, this is a game I’ve played on and off. Not something I’ve sunk thousands of hours into, even though it looks like the kind of thing that I would. As open and “do whatever you want” the game claims to be, it still has too much of a stranglehold.

 

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.

VenusBlood FRONTIER International Download

VenusBlood FRONTIER International Fitgirl Repack Free Download PC Game

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

VenusBlood FRONTIER International for Android and iOS?

Yes, you can download VenusBlood FRONTIER International on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install VenusBlood FRONTIER International

Now to download and Install VenusBlood FRONTIER International 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 VenusBlood FRONTIER International 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 log in. Once you login the download process will start automatically.
  3. If you are unable to download this game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download this game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING VenusBlood FRONTIER International Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screenshots then tap down on the picture to enlarge them.
VenusBlood FRONTIER International Download
VenusBlood FRONTIER International Download

VenusBlood FRONTIER International Review, Walkthrough, and Gameplay

Where do I even begin… “VenusBlood FRONTIER International download” was a sci-fi spinoff of the hit game “Battlefield 3”. Wait… This is supposed to be THAT “VenusBlood FRONTIER International”? Oh, God… I get that they had to make some changes for wider appeal since the first game was a commercial failure, but what happened here? People were hyped for this game, and look where it is now. To say this game was confusing and a lot went wrong is an understatement, but I’ll try to get to as much as I can. This is probably the most directionally confused big-budget title I’ve ever played. I’ll go into why this is later, but for now, let’s take it from the top. “VenusBlood FRONTIER International”, what you could have been… “VenusBlood FRONTIER International” offered three major selling points of why it would be a better sequel. The first being that “it’s gonna be bigger”. “VenusBlood FRONTIER International” maps were kind of barren, and they had a player limit of around 600, so they upped it.

For the second game, they had completely filled out 64-kilometer squared maps, with the player limit of 2000. So, this was promising a lot more action. Their second appeal was: “it will look better”. “VenusBlood FRONTIER International igg games” didn’t look great for the time, but that makes sense because there was a lot to process on-screen. So, they were offering bigger fights AND better graphics. Finally, “VenusBlood FRONTIER International fitgirl repack” would be “for everybody”. They would use Free-to-Play to get more soldiers, and the game would work for solo or groups. Here’s what happened… To their credit, the game looks good. It’s pretty impressive on the technical level, considering how much it shows with that amount of players. Every so often there are some effects that are really out of place bad, but it really works where it needs to, which for me is having the maps and the fights look interesting.

That being said, the graphics are worse than release. For the most part, the current “Ultra” settings used to be the old “High” settings. Developers have been cutting back on visuals more and more, to try and stabilize performance. They even had a pretty high-profile partnership with VenusBlood FRONTIER International PC download. It was around for a few months, and really brought a new level to the battles, but one day they just shot it off, and I don’t think it’s coming back anytime soon… I don’t blame them, because even years later, performance is still awful. Not to mention, there is a lot of pop-in in the bigger fights. I don’t mean nitpicky “I saw a tree pop in far away” – I mean someone popping up in your face in a fight. It’s hard to tell when the game is taxing your CPU, or the servers are just lagging. Get used to being safe around the corner and then dropping dead. The fact that loading screens are giving hot tips on performance really speaks volumes. And while this wasn’t officially announced, it’s pretty well-known that the player count isn’t 2000 per continent.

They secretly lowered it to around 1000 or 1400 – somewhere in there, but no one knows for sure. Even with the lowered player count, optimization patches for years and new modern hardware, the game still doesn’t run well. There are so many different reasons why this could be that speculating would be pointless. So, what I can tell you is that even if you go out and buy top-of-the-line hardware, it might not save you. The best you can do is try to avoid big fights. You know… The whole point of “VenusBlood FRONTIER International download”. Let’s take a break from that and talk about some art direction. There are three armies to choose from. Each has its own unique design and gameplay style. The Terran Republic is authoritarian, and they’re described as the only professional military in “VenusBlood FRONTIER International repack”. Most of their weapons and equipment are all very curved and have rounded edges.

Their shtick is that their weapons have a high rate of fire and large magazines, so they fight pretty well at medium range, but at long range they have issues. The recoil of their guns means that shooting far out is kind of difficult, so you just need to hold that trigger down and spray. So, visually, their weapons look complicated, with very large magazines. The New Conglomerate is a group of corporate-backed rebels. Their supplies are from companies, industrial equipment, or stolen. Their equipment is very angular – almost box-shaped. Kind of like their stuff was made to work at the bare minimum. Their weapons are high damage, and they work really well at long range and very short range. Accuracy varies.

The Vanu Sovereignty is VenusBlood FRONTIER International download cult and furry rights association. I think they pray to aliens or something. Their equipment looks otherworldly, and most of it glows. Their weapons are incredibly accurate, at the expense of damage. That’s the price of energy weapons. So, every faction has a very unique look, right…? No. Things have gone terribly wrong. Here’s my TR Assault. You can clearly tell he’s TR. But now it’s a little harder. Being a Free-to-Play game, one of the first things they sold was camouflage. This works well if it’s still following the faction color. But it’s CAMOUFLAGE. If you look at most “PlanetSide” promo material, there’s very little camouflage. If there is, it’s usually something vibrantly that faction’s color. Or they show Terrans with camouflage because it’s bright red and you can’t miss it. But in-game, where fights are more like this, it’s a nightmare. Hey, that dude is pink! I’ve seen Vanu wearing pink. But isn’t pink closer to red? Well, it doesn’t matter, because that guy is NC – the blue faction…

That seems kind of confusing. Now have the room look like this! Nameplates don’t always load in with the character, so you might shoot a friendly on accident. That’s hard enough as is, but now you can’t tell the colors apart easily.

But if you’re not wearing camouflage, that means an enemy has an easier time shooting you! So, now you’re compelled to put it on, or else you’re an easy target. I’m pretty sure that the giraffe camo was the most notorious example of this, but it’s still around in other ways. Camouflage doesn’t hide you well in the environment – it just makes the enemy wonder if you’re one of their friendlies. That’s just frustrating… If you’ve seen montages of this game with people racking up kills in crowds, it’s because they don’t know what’s going on. Here’s what I mean: this guy has black armor with the big conventional gun, so what is he? He’s Vanu. To pick on Vanu a little bit, they used to be a lot brighter and more vibrant, but to attract more players they got made darker. As a result, their dark camo makes them nigh impossible to see at night. Combined with how bright some of their weapons are, you can just walk into a crowd at night. Players might be uncertain if you’re friendly just on your silhouette alone, so you can really rack in the kills with these blinding weapons.

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.

Re:Legend v16.2.3 Download

Re:Legend v16.2.3 Fitgirl Repack Free Download PC Game

Re:Legend v16.2.3 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 Re:Legend v16.2.3 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 Re:Legend v16.2.3 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 Re:Legend v16.2.3 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.

Re:Legend v16.2.3 for Android and iOS?

Yes you can download Re:Legend v16.2.3 on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Re:Legend v16.2.3

Now to download and Install Re:Legend v16.2.3 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 Re:Legend v16.2.3 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 Re:Legend v16.2.3 Download

Screenshots  (Tap To Enlarge)

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

Re:Legend v16.2.3 Review ,Walkthrough and Gameplay

What’s up everybody, today I’ll be giving a little introduction to a game that has got a lot of people very very excited it’s called Re:Legend v16.2.3 update download a co-op monster raising RPG and is shaping up to look like a combination of some of the most popular games out there.It combines the farming and life sim RPG mechanics of star dia Valley the monster capturing training and evolving mechanics of Re:Legend v16.2.3 and the deep action RPG combat mechanics of games like Bastion oh and did I mention it’s also going to be multiplayer meaning you can farm fight and explore with up to three of your friends yeah it’s got some serious potential and in this video I’ll be taking an in-depth look at everything we know about this ambitious little game so far there’s a lot going on in this game and for that reason.

I’ve split this video into three different sections the first section we’ll be talking about the Magnus which are the creatures that you have to tame in this game the second part will be dedicated to the farming and life sim part of this game and the final part will be all about combat I’m going to leave timestamps for the beginning of each of these three sections in the description below and without further ado let’s jump right in.

I’ll start by telling you about the Magnus the magical creatures you’ll be befriending and training throughout your journey there are many different types of Re:Legend v16.2.3 update download and every single one of them that you encounter in the wild will be tamable just like in Pokemon it’s unknown how many will appear in the finished game but as you can see by the plethora of concept art already available there’s quite a few with more being shown every Friday so that’s a lot of variety already and that’s even before you consider their evolutions each Magnus will grow and evolve as they’re cared for and most have not one but two evolution paths meaning how you care for .Your Magnus will influence how it looks acts and evolves and if multiple evolution paths aren’t enough for you then you might be interested in the breeding aspect of this game breeding to Magnus has a chance to hatch one with a rare cosmetic variation that cannot be found in the wild however breeding will not affect the growth rate or stats of your Magnus .

It will be a purely aesthetic difference and how would a game like this be complete without some legendary legendary Re:Legend v16.2.3 download will be incredibly powerful and difficult to tame and there’s one plan for each of the different Re:Legend v16.2.3 torrent in this game each of these Legendary’s will require the player to complete different tasks in order to encounter them in the wild each Re:Legend v16.2.3 fitgirl repack will assist you in a different way depending on its species and evolution the following are the known ways they can help but there will likely be more as development continues right .Now they can assist with farming which includes plowing land planting watering and harvesting logging and presumably mining – but that hasn’t been confirmed fishing Goods production which includes food crafting materials and valuables mounts combat farm improvements which means better crops and higher yield as well as wingman and wingwomen which will improve relationships with bachelors and bachelorettes I’m going to be touching on this a little bit later in the video in more detail but yes there are relationships that you can have in this game alright enough about our little companions what about the player what kind of RPG elements are in store for us well it turns out there’s a lot similar to how skills work in Re:Legend v16.2.3 download as you perform different tasks.

You’ll receive experience and level up different life skills making you more proficient at that task the life skills that have been confirmed so far are farming fishing crafting cooking weaponry mining and logging with even more planned for the full release this means that you’re constantly improving your character with nearly everything you do outside of these life skills .You’ll also gain combat mastery levels for each different type of weapon in the game but I’ll go more into detail about that in the combat section of this video because there are quite a few next up let’s talk a little bit about your farm as you expect a decent amount of time in this game will be dedicated to planting growing and harvesting crops on your farm there gonna be a lot of different crops that you can grow some of them will have seasonal requirements meaning that you can only plant them at a certain time of year which confirms inadvertently that there is going to be some variation in the seasons as well as a day/night cycle so pretty similar to your average farming simulator game however there are some pretty cool things that .

This game has the I haven’t seen it anything else one of those things is fish breeding .So in other games you have to catch fish and then either immediately sell them or use them for food however in this game you can let them swim around in the pond that’s in the back of your farm and they can breed and you can make more money off of them it’s a really cool little touch and it makes your farm feel a lot more alive when you see some fish that you caught a week ago just swimming around and hanging out you’re also gonna have some buildings around your farm you’re gonna have your house which is fully Re:Legend v16.2.3 igggames interior and exterior which means that your house is never gonna look the same as your friend’s house which i think is great and you’re gonna have some other buildings around your farm that you’re gonna be able to upgrade such as the barn as your barn upgrades you’re going to be able to store more Magnus.

I’m sure you’ll be able to build different buildings like a workshop but again none of that has been confirmed but I think it’s a pretty safe bet similar to start you Valley there are various people you will befriend and interact with throughout your day as you can see in this footage you’ll be able to give these villagers gifts to improve your relationship with them and eventually you’ll be able to either date or marry them thanks to the confirmed bachelor or Re:Legend v16.2.3 download system another really cool feature that will be implemented thanks to a Kickstarter stretch goal is the player shop a shop that is completely run by the player and you might have been able to guess that the details as to how this will work are somewhat vague but it has been confirmed that you will be able to sell valuable items for significantly .More than if you were to sell them normally on the screen right .Now you can check out some of the concept art for this player shop and I’m willing to bet that based on the other customization and upgrades you’ll be able to do throughout this game that you’ll probably be able to customize and possibly upgrade this player shop as well .But that’s just my assumption and finally I saved the best for last let’s talk a little bit about combat the combat in real edging is that of a third-person RPG and will allow players to choose from a wide variety of weapon types each with their own unique fighting style and armor set each weapons skill will level up independently of one another and new abilities and combos will unlock as you progress I’m pretty sure that there will be eight different types of weapons included in the final game but again it’s kind of subject to change as development goes on the ones we know about so far are as follows dual wielded swords the fastest weapon in the game are four players focused on high damage output while still maintaining the ability to move around quickly in combat however due to its mobility the dual wield armor is quite weak so dodging enemy attacks is key knuckles which are magic infused fist weapons with a similar combat style to the dual wield swords every strike will launch magical punches in front of you.

So it has a really high offensive power the magic punches can also extend your attack range and that in return will allow you to cover a bigger attacking area next up is the great sword and great shield now these are two separate classes but they’re pretty similar in style as they both make the character pretty slow but very powerful the great sword is obviously more focused on offensive capabilities which will allow you to output crazy amounts of damage however it’s pretty difficult to hit with, because of your slow movement speed and slow attack speed the great shield on the other hand is more focused on defense however it still has some offensive capabilities as well great shields as you might expect are perfect for defending yourself and your teammates from enemy attacks next up are bows which are pretty typical they allow for high damage output from afar yet the armor that they have is pretty limited which means if your enemies do close the gap you’re gonna be in a little bit of trouble so keep your distance Re:Legend v16.2.3 download are also ranged weapons similar to bows but can penetrate through multiple enemies allowing you to damage large groups of foes very quickly from a distance.The next more ranged focused weapon is the staff which deals powerful magic damage from a distance as you level this weapon skill up you’ll unlock new spells and also increase the size of your magic bullets allowing you to damage more enemies at a higher level but the staff isn’t just for dealing damage staves allow players to both heal and buff party members making them a valuable part of any team another magical weapon and the last weapon on this list are prisms prisms are a lot less powerful than their staff counterparts.

 

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.

Super Crush KO Fitgirl Repack

Super Crush KO Fitgirl Repack Free Download PC Game

Super Crush KO 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 Super Crush KO 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 Super Crush KO 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 Super Crush KO 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.

Super Crush KO for Android and iOS?

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

Also Read:

How To download and Install Super Crush KO

Now to download and Install Super Crush KO 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 Super Crush KO 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 Super Crush KO Download

Screenshots  (Tap To Enlarge)

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

 Super Crush KO Review ,Walkthrough and Gameplay

We’re back once again with another episode of Super Crush KO fitgirl repack pc download, that show we’re give you some straight-up gameplay .Our first impressions of the latest games releasing this one is definitely just some first impressions Super Crush KO igggames. We’ve been a little burned out after all the other games but a lot of you guys were asking for just some basic information on this one so here we go it’s pokemon sword and shield PC download. This Is It Super Crush KO fitgirl repack is the one this is the first true Nintendo switch Pokemon game if you don’t count the more casual pared down Super Crush KO let’s go.

So Super Crush KO had a lot of high expectations on it it really did and what I think we’ve ended up with here is a competent if predictable entry it doesn’t feel like the massive new step in Super Crush KO history it feels more like a smaller stepping stone in some ways I’m glad it’s heading in this direction though but there are some big shortcomings .It’s just like a step forward and a step back so in it you’re a young person in the Galore region looking to become a Super Crush KO trainer and the next champion hop your best bud and sort of first rival has a brother named Leo .That is the Super Crush KO fitgirl repack champion with a Super Crush KO ova games.

He comes back to your hometown and gives you guys your first Pokemon and of course you choose from three different types he gives you his blessing and you venture out into this new with somewhat United Kingdom inspired world.To go meet more rival trainers build on your Super Crush KO pc download, become a world famous Super Crush KO trainer all that stuff.But of course it’s really all about the friends you make along the way human and Super Crush KO come on guys we’ve been doing this for like 20 years now so like Sun and Moon before it there is a big emphasis on story here there’s a lot of characters and lots and lots of dialogue it’s fine and fairly interesting.But one of the things that rears its ugly head that’s making Super Crush KO start to feel a little outdated is the voice acting. I’m always generous in this regard but this time. I really think Super Crush KO sorely needs voice acting the game’s characters look so damn good and move around so much but you’re just reading text once again .

It’s a shame because a lot of the characters here are cool-looking and very very charming I really like them but Pokemon is moving into a new generation and I helping maybe somewhat naively of me that voice-acting would have been one substantial change here and I was just surprised by how much I was actually left wanting it I can understand it’s a very big game there’s lots and lots of dialogue in here in a big world but even a half step like how the Yakuza games are half voice and half not or even some someSuper Crush KO pc download.

That do it that way that stuff would have gone a long way here but presentation-wise other than that the game really does have it going on Super Crush KO are exciting the way battles kick off is always exciting and especially when the story fights are concerned like there’s stuff like some really cool mid-match dialogue and camera angles style choices. I really love seeing but really more than anything else it’s the look of the world itself it’s nothing short of breathtaking at least in terms of like an art style standpoint I’m not exaggerating the colors the detail the rolling hills and valleys the flying native

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.