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. 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. 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. Losses and expenses are paid out of premiums col¬ lected. 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. 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.” Discover relics of the past in the depths of Hydroneer, with better rewards the deeper you dig. Using a state-of-the-art voxel based terrain system, you can create cave networks, quarry pits, or even mud mountains. Use primitive tools, hydro-powered machines, and player-built structures to dig and evolve your operation in this tycoon-style progression system. Hydroneer is a mining sandbox game where you dig for gold and other resources to build massive mining machines and a base of operation. Virtual) is required to install this pack
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