b , Vernon’ a d Civil Statutes. otter or wae 30, rtmont as to whotJ.wr the riling 0r insur- aaoo ~olloiee re d motor aarriera.

egulating motor buses all, in the granting or motor bus oompany ror persons as paseongers or hire, require the owner or t procure llablllty and property rrcxn a ooPlpany lioonood $0 make oh lnsuranoo Qolloy in the state 0r ing eaoh and every motor propelled vohlole whlls aotually being operated by suah np- pllcant. The amount of suoh policy or pollcles insuranoo shall be fired by the Coivnlesloa by gen- eral order or otherwise, and the terms end oondl- tiona or said polioy or pollolee ooverlng eald motor vahlols are to be suoh as to indemnity the applloant against loss by rbanon 0r any personal injury to any perooa loss or damage to the property of any person other thaa the assured and such policy polioles shall fur- hi8 employees. *2 Hon. Hughston, page

thermoro provide that the insurer will pay all judwnts which may be recovered against the ln- sured motor bus company based on olalms ror loss or damage rrom personal injury or loss ot or in- jury to property ooourrlng during the term of the policy or polioios and arislag out of the aotual operation or such motor bus or busses, and such policy or pollclee shall also provide ror suo- ooaslvo roooveriea to the oompleto exhaustion or the faoe amount thereof, aad that such judgment will be paid by the insurer irrospeotlvo or the solvency or inaolvenay of the lasurod. Such liabll- ity and property damage iasuranoe ae required by the Conrnlsslon ahaU be oontlnuously maintained in force on each and every motor propelled vehiolo while being operated in oorauon oarrler ssrvloor In addition to the insurance hsrolnabovo sot forth, thoamer or operator shall also protect his em- ployees by taking out vrorkeaen’a compensation suranoo either as provided by the Ptorlauen*s Com- pensat ion Laws of the State or Texas or in a ro- liable insuranoe company approved by Railroad Convnlasloa of the State ot Texas. The ,taklng out of euoh indtmtdby policy or policies be condition precedent to any operation and suah policy or policies as required under this Aot, shall be approved and riled with the Comlsslon iallure file and keep auoh policy or poli- oioa in forae and orfoot as provided herein shall oauao for the rovooation of the aertlfloate and shall bubjrot the motor bus company so rall- iag to the penalties prosorlbod herein.*

Likewise, Section 1% of Article Ollb, V.A.0.S. pro- vides that motor barriers shall also make bonds or obtain poll- oies of covering personal injuries and damage to prop- lnsuranoo That seatfon reade: erty.

“Before any permit or oertiiloate of public aon- venlenoo and necessity may be issued to any motor carrier and berors any motor oarrler may lawrully operate under such permit or aertlfiaato as the ease may be, euoh motor oarrier shall Silo wlth the Co~~lsslon bonds and/or lnwranoe polloles ls- sued sone lnsuranca company including mutuals and *3 ., . .

cy)P. UaAAaoo Hu#uton, pagr 6

rooiprooala or bondi- authortrod by law ooapany to trmnmaot buminrrm 18 hum in an -t to k fixed by thr Comiamion undo r l umb mlmr ti ro-

alationa ma it uy preaoribo rhieh bond. aad muranoo pollolem rhll pro&lo that tho obller % thuoin pay to tho l teat or tb ia00 w0tmt will Of muoh iMtU0~00 pOliOi. l Bd bowA mu jUd&WDBt8 which mmy romovorod l ginst tb yltor oarrirr oo ill- 1nm~an.o polioler mid bonda, baud 08 01&u for lomm or bmgom froa poraoml in)or7 of th e l otual operation of mumb motor emrrior, ana l wh bond8 and golioi;rm rkll alma mrldo ior l uo- oommlto rooovorlra t 0 mo8plmto l xbaurtion oi the ior0 amunt thoroat and that l amb fudmatm till bm paid by tho obl.i&er 18 mid bonds aa& l u8moo polioior irroapeotiro ot the l olvoaoy or lnmol~oaoy or tho rotor oarrlmr, prootided, bonta, l uoh bonds and polioier rholl not oovor por#na injurier l umtmlnod l onantm, or oa- uonta ployooa oi l uoh aotor oarrlor. Provided further that in tho l Tent the IaudI mhall l bMdoB him pornit or oortitioato and loato thm Btato, a olain- ant l maertin( a alain *Ithin thm prorialona mad bonds or ~~lioima, uy film muit uainat tk l urotlom l xooating rush bond or tb company immp- Lug muoh pollolaa in ooart of ooapmtent jurlmdio- tiOB without tho BOOOSSity Or making the iBautOd to maid suit. Rovldod homer, that tho part not roqulro comi fnauranoo owori* uioa loam of or hua60 oar* in amunt orooraivo for ?,ho ohu of l onioo to bo NBdorOd by l ay oarrler l hll, 08 motor oarrier. 2ooh auoh &or or bororo thr data or tho upintion oi tho tm oi l ay polioy or bond mo iilod by hir, fllo a ro- newal thermor, new boadm polloloa containin@ tho am torn8 and obli6atioBm of tb prooodin# bond8 lrar thoromftor 0~ or be- and polioloa l n4 l hall roh Soro the mxpfrmtio~ &to of tlu l ximti bondamnd ii10 l uab renewal polloiom polloiem bondm l o am to pa&o mnd anbrokmn prOt.Stioa OOBtinUOW to tin huh& olrirr a6ainmt suoh Oar?iOr, pub110 logal in tho wont SUSh rwOWal bonds SBd poliolem are SB~ BOt mm filed, aorlaaion, mrtmr noti.* to tho it8 dimoro- mtor oarrier, and houiau, mm~, w1thU tion if it ahall ilad dotexmiao tin ondm ot Jo&loo wlu bo bettor robrmod Wmroby, omnoel mlroh oortiiioato railare to imrnloh 50; l r petit vido oaoh bonds IBS~PMOO am huoln rOWrOde *4 HOBe WalhOo fiUghStOB, WgO 4

Eaoh seation rrqulrem the lnsuranor poliolem or bond8 to be filed with the CornmissIon. Eaoh amotion alme providad the nrooatlon or ounoellation of ths permit or oonvsnleaoo naoessity for failure certiriaste to ii18 or boada with the Coi;mniaaloa. poliolea

You deslro to know whether the Cotiaaion mq fa 110~ Or the filing of the original policy and aaadmento ao- Umuranao company that pol!oy oept a oertitloate iron ha8 bera issued whloh contain8 a summary o? ltm prinolpal roaturea.

In our opinion, the Co;Pmiasloa puy not ao o o pt l wh a sumwry oertiflaate, but should rewire the rUlag of tho it may examine approto it. Tho polioy itself la order that whole policy of the law is that tha Railroad Conmission ohs11 determine whether or not the publlo la aooorded the protection iCaoh statute expressly requires the ineuranoe required. poll- oleo or bonds to be tiled Cournlaslon, and makes iallura rlth to do 80 oa the part of tha bus oompany motor oarrier, grounds for revocation aanoelletlon o? it8 permit. The Com- mlmaioa la aot authorized waive oompliahoa with the plain language and latent of ths atatutma.

Yio see no objeation, howo?er,. to apyrornl the Board of Insurance conmkisolonoro of a fern of rsnswal aertiri- oste whioh will be furnished the Railroad Co~nmiasion by tha lnsuranae company stating the policy oa file with the Co&esion, together with all anen&sntS t0 lt, bs beeen rs- newed ior a team stated lB tiertifi~at0.

Your8 very truly JAS:EP