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ART. CI] METHODS OF INSURANCE. 753
terms prohibit an employer from engaging in extra-hazardous work before
he has secured the payment of compensation as provided in this article;
option of employee in such case. Constitutionality of this article not
passed on because it was not properly raised and also because a case
involving the constitutionality of the New York law (similar to the Mary-
land law) is now pending. (The New York law has since been held con-
stitutional—New York Central R. R. Co. v. White, 61 L. Ed. 667; and
see Salvuca v. Ryan & Reilly Co., 131 Md.). Salvuca v. Ryan & Reilly Co.,
129 Md. 236.
Correct and incorrect prayers under this section and sections 46 and 62.
Intoxication is only a defense if it is the sole cause of the injury or the
accident resulting in the injury. Recovery under this article is without
regard to negligence and contributory negligence is no defence. American
Ice Co. v. Fitzhugh, 128 Md. 390.
See notes to sections 36 and 54 and to this section in volume 3 of the
Annotated Code.
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1914, ch. 800, sec. 15. 1916, ch. 597, sec. 15.
15. The employer shall secure compensation to his employees in one
of the following ways:
(1) By insuring and keeping insured the payments of such com-
pensation in the State Accident Fund, or
(2) By insuring and keeping insured the payments of such com-
pensation with any stock corporation or mutual association authorized
to transact the business of Workmen's Compensation Insurance in this
State.
(3) Any such employer who does not with the approval of said
Commission voluntarily insure the payment of the compensation by one
of the methods designated in the preceding paragraphs of this section,
must furnish satisfactory proof to the Commission of his financial abil-
ity to pay such compensation himself, in which case the Commission
may, at any time and from time to time in its discretion, require the
deposit with the Commission of securities, such as are accepted by the
Equity Courts of Baltimore City for the investment of trust funds and
in an amount or amounts to be determined by the Commission, to secure
the liability of the employer to pay the compensation specified in this
article; and in order to be informed as to the continued financial respon-
sibility of any such employer the Commission may require reports from
him annually or at such other times as the Commission may deem neces-
sary or advisable and may examine such employer under oath or make
such other examination of his business as the Commission may deter-
mine. If he should fail to furnish such satisfactory proof, or give
bond, or deposit such securities as required by the Commission, or if he
should at any time fail to render satisfactory reports to the Commis-
sion or otherwise satisfy the Commission of his continued financial
ability to pay the compensation himself, he shall be subject to the
provisions of the first paragraph of this Section of this article and shall
be required by the Commission to insure as provided in the first para-
graph of said this Section, unless he, at once, insure voluntarily as
provided in the second paragraph of this Section.
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