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Essays and addresses

Until very recently, the main ground of dispute of liability here would not have been thought of: or, if thought of, would have re- Copyright, 1917, by Elliott Publishing Company.

Ceived scant consideration but temp or a mutantur et nos mutamur in illis.

The plaintiff, a doctor of medicine, a specialist in diseases of the eye, ear, nose, and throat, took out an accident policy with the defendants, an accident insurance company, in most accident insurance pol- icies, the beneficiary is entitled to payment only for a limited time (usually one year or less), but this company finds its account in making its policies per- petual, that is, for the life of the patron who may be injured.

No doubt, this forms a strong induce- ment to those desiring accident insurance, to prefer this company.

In the application, the duties of his occupation are described as "special work on eye, ear, nose, and throat," and the insurance was against "bodily injury sustained through accidental means and resulting directly, independently, and exclusively of all other causes in an immediate, continuous, and total disability that prevents the insured from per- forming any and every kind of duty pertaining to his occupation.