PHILLIPS LEE GOLDSBOROUGH, GOVERNOR. 1077

and premiums in course of collection, less return premiums and
premiums on cancelled policies and less the unearned premiums,
on policies in force as shown in such annual statement; (2)
the amount of all payments of whatsoever nature made by
reason or on account of injuries covered by such policies writ-
ten during said period. This amount shall include medical and
surgical attendance, payments to claimants, legal expenses, sal-
aries and expenses of investigators, adjusters, and field men,
rents, stationery, telegraph and telephone charges, postage, sal-
aries and expenses of office employes, home office expenses, and
all other payments made on account of such injuries, whether
such payments are allocated to specific claims or are unallocated;
(3) the number of suits being defended at the date as of which-
the statement is made under policies written during said period,
except suits in which liability is not dependent upon negligence
of the insured, and a charge of seven hundred and fifty dollars
for each suit; (4) the number of deaths for which the insured
are liable without proof of negligence, covered by policies writ-
ten during said period, and not paid for at the date as of which
the statement is made and a charge of the amount necessary
to pay for such deaths; (5) the number of unpaid claims at
the date as of which the statement is made on account of non-
fatal injuries for which the insured are liable without proof
of negligence, covered by policies written during said period,
and a charge equal to the present value of the estimated future
payments; (6) the loss ratio determined from the foregoing
as to each year separately using as the divisor the earned pre-
miums shown in item (1) and as the dividend the amount of"
payments shown in item (2) plus the amounts charged in items
(3), (4) and (5) ; (7) the number of suits being defended at
the date as of which the statement is made under policies
written more than ten years prior to such date, except suits
in which liability is not dependent upon negligence of the in-
sured; (8) the number of deaths for which the insured are
liable without proof of negligence, covered by policies written
more than ten years prior to the date as of which the statement
is made, and not paid for at such date; (9) the number of
unpaid claims at the date as of which the statement is made on
account of the non-fatal injuries for which the insured are
liable without proof of negligence, covered by policies written
more than ten years prior to such date. All unallocated pay-
ments in item (2) made in a given calendar year subsequent
to the first four years in which a corporation has been issuing
such policies shall be distributed as follows: Thirty-five per