Call Now 24/7 - Free Consultation! 844-686-5397

Insurance

What is Insurance?

Insurance is, “a contract whereby, for a stipulated consideration, one party undertakes to compensate the other for loss on a specified subject by specified perils. The party agreeing to make the compensation is usually called the “insurer” or “underwriter;” the other, the “insured” or “assured;” the agreed consideration, the “premium;” the written contract, a “policy;” the events insured against, “risks” or “perils;” and the subject, right, or interest to be protected, the “insurable interest.” (Black’s Law Dictionary 946. 4th Ed. Rev. 1968)

An insurance policy is a contract in which an individual or entity (the policyholder) pays an insurance company (the insurer) in regular payments in exchange for financial protection over specific risks or losses. For example, medical insurance helps to cover medical costs, such as hospital visits, hospital stays, and medications. Similarly, auto insurance helps to cover damages incurred from car accidents. Insurance payments are known as premiums. Insurance contracts typically limit the amount of costs that an insurance provider may be required to pay. 

The McCarran-Ferguson Act (15 U.S.C. § 1011) grants many aspects of insurance regulation to individual state governments. However, federal laws like federal taxes do apply to insurance, and must be acknowledged. Insurance is important to the legal system, as it helps protect individuals, those who cause harm to individuals through negligence, and any third party that is faced with the burden of compensating for an injury.

More information about Insurance

Pottsville Nursing Home Abuse Lawyer

Pottsville Pennsylvania Nursing Home Abuse LawyerPottsville, PA is an idyllic place for many; its combination of city and country make it the perfect place for those seeking a balance between rural and urban living.

Its many nursing homes and assisted living facilities should also make it the perfect place to grow old, but the dark reality is that these facilities can be hotbeds of abuse and neglect, much of which goes unnoticed.

If you have a loved one or family member in a nursing home, you rightfully expect them to receive a high standard of care and compassionate treatment. Anything less than this is disappointing — abuse is both unacceptable and illegal.

If you believe that a family member or loved one may have experienced nursing home neglect or abuse in Schuylkill County, you may have a claim. Contact our Pottsville nursing home abuse lawyer today to schedule a free consultation and learn how we can fight for justice on your behalf. […]

Read More

More information about Insurance

An Insurance Adjuster Calls After Your Car Accident. What Should You Do?

How to Interact with Insurance Adjusters After a Car Accident

If you or a loved one have been in a car accident, your main focus should be on caring for and recuperating from injuries and the trauma that has been endured. Insurance claim adjusters often prey upon victims’ vulnerability by trying to negotiate early settlements, and by getting the injury victim to make statements that can infringe upon how much you are truly entitled to. At this time, thinking about recovering compensation from insurance companies may seem stressful and the last thing that you want to worry about; a car accident lawyer can alleviate these stresses. You need an experienced car accident lawyer that has a proven track record.

For over 60 years, the award-winning personal injury lawyers at Munley Law have fought for the rights of accident victims throughout Pennsylvania. If you or someone you love has been injured in a car crash, […]

Read More

More information about Insurance

Erie Product Liability Lawyer

As consumers, we purchase goods that are supposed to make our lives easier and better. Unfortunately, when a defective product causes injury, you need to know your financial recovery options. If dangerous products injure you or a loved one, call the Erie product liability lawyers of Munley Law.

For over 60 years, Munley Law has represented injury victims in product liability claims who seek fair compensation for their injuries. Call Munley Law for a no-obligation, free consultation.

What Is a Product Liability Case?

Erie Product Liability LawyerProduct liability law allows an injured party to take legal action if they encounter a defective product. Product liability cases are often classified under strict liability, meaning that even if the defendant did not have intent or knowledge of the alleged harm, they can still be held liable.

A product liability claim can fall under one of four categories. […]

Read More

More information about Insurance

Erie Motorcycle Accident Lawyer

Motorcycle accidents can often result in catastrophic injuries. These vulnerable road users are 28 times more likely to be killed in a motor vehicle accident compared to other drivers and four times as likely to sustain an injury. Due to the size of a motorcycle compared to a standard passenger vehicle, these accidents often result in severe injuries, hefty medical bills, and mental anguish for the rider and their family. An Erie motorcycle accident lawyer will be needed to help you regain compensation for your injuries.

Motorcycle accident victims need protection. This is where Munley Law comes in. For decades, we have represented victims and their families in the most complex personal injury claims. Let us do the same for you. Call today to speak with one of our Erie motorcycle accident lawyers.

What Are the Common Motorcycle Accident Injuries?

Erie Motorcycle Accident LawyerDue to the size and weight differences of most cars and trucks on the roadways compared to a motorcycle, […]

Read More

More information about Insurance

Law Glossary | Legal Term Look-up

[…]

Read More

More information about Insurance

Erie Pedestrian Accident Lawyer

Pedestrian accidents can be harrowing. When a vehicle collides with an unprotected pedestrian, the pedestrian is at a higher risk of serious injury. Common injuries from these accidents include broken bones, spinal cord injuries, and, in the worst of cases, even wrongful death. If you or a family member has endured an accident of this nature, or if you’ve experienced the absolute tragedy of having a family member killed in a pedestrian accident, it’s important to remember that you have rights. Working with an experienced Erie pedestrian accident lawyer who can assist you in seeking compensation and holding the at-fault party (or at-fault parties) responsible is almost always your best path forward.

Should I Hire a Pedestrian Accident Attorney in Erie, PA?

Erie Pedestrian Accident LawyerIf you or a loved one has sustained pedestrian accident injuries, you may be wondering whether you need to work with a lawyer. […]

Read More

More information about Insurance

Erie Lyft Accident Lawyer

Logging into the Lyft app to get a ride home has become a convenient and safer way for residents and visitors of Erie to get to and from their destinations. However, the increased use of rideshare programs like Lyft and Uber have also caused an increase in Lyft accidents. If you or a loved one were injured in a rideshare vehicle or involved in a collision with a rideshare driver, call the Erie Lyft accident lawyers of Munley Law.

Our rideshare accident attorneys can help you navigate the claims process when you are involved in a wreck with a Lyft driver.

Why Do You Need a Lyft Accident Attorney?

Erie Lyft Accident LawyerLike any personal injury claim, you never have to hire an attorney. However, going through the legal process alone can prevent you from getting the compensation you need for your injuries. […]

Read More

More information about Insurance

Lowboy Truck Accident Lawyer

Were You Injured in an Accident With a Lowboy Truck? We’re Here to Help

Lowboy trucks are often carrying heavy loads, and accidents involving these types of rigs can be particularly devastating. Although things can go wrong in any type of trucking accident, there are a few specific outcomes that drivers should be aware of in a lowboy truck accident. Some of these scenarios include limited visibility because of the trailer, reduced brake responsivity due to the inertia of the trailer, and the possibility of the trailer detaching in a crash.

Collisions with lowboy trucks can be messy to navigate. In a regular, non-commercial crash, the relevant parties include the motorists and their respective insurance companies. As lowboy truck accidents are commercial in nature, the employer of the truck driver will be an additional party involved in the claims process.

If you or a loved one was injured in a lowboy truck accident, […]

Read More

More information about Insurance

Erie Uber Accident Lawyer

Residents and visitors enjoy the waterfront activities and attractions that Erie, PA, offers, and many frequently utilize rideshare services like Uber. Unfortunately, that increase in use has also led to more Uber accidents. If you or a loved one were injured in a rideshare car accident, an Erie Uber accident lawyer from Munley Law can guide you through the legal process.

Why Do You Need an Uber Accident Lawyer in Erie, PA?

Erie Uber Accident LawyerYou never have to hire an attorney for a car accident; however, when it comes to wrecks with rideshare vehicles, it can be beneficial to work with an attorney.

The most complicated part of an Uber accident is knowing what insurance coverage applies to you. Further, there is the question of who was involved during the crash and why it occurred. Of course, there are also general car accident concerns such as injury severity, […]

Read More

More information about Insurance

What Are the Common Types of Truck Accidents in Williamsport, PA?

Truck accidents are a significant safety concern in Williamsport, PA, for both motorists and pedestrians. Given the area’s commercial activity and frequently traveled roads, the likelihood of accidents involving large trucks has increased. If you get into a trucking accident in Lycoming County, you’ll need a Williamsport truck accident lawyer to help with the claim.

What Causes Truck Accidents in Williamsport, PA?

The Williamsport truck accident attorneys at Munley Law are expertsTruck accidents in Williamsport, PA, can be attributed to various factors, each presenting its own set of risks to road safety. Some of the most common causes of truck crashes include:

Distracted Driving

Truck drivers may become distracted by texting, adjusting GPS devices, or eating while operating their vehicles. Even for a few seconds, these distractions divert their attention from the road, increasing the risk of collisions and severe injuries due to delayed reactions or failure to notice hazards. […]

Read More

More information about Insurance

Should I Call A Car Accident Lawyer After a Car Accident in Williamsport?

Call a Williamsport car accident lawyer immediately if you are involved in a car accident. Victims often wait to call an experienced Williamsport car accident attorney once they realize the insurance settlement offer is insufficient to cover their damages. By being proactive and calling a PA car accident lawyer before meeting with the insurance company, you’ll be a step ahead in seeking the compensation you need to move forward.

If you were in a car accident, call the Williamsport car accident lawyers of Munley Law today.

Why Work With a Williamsport Car Accident Lawyer?

The Williamsport car accident lawyers at Munley Law can help you are in an accident.You are never required to seek legal representation for a car accident. However, if you or your passenger suffered severe injuries, there are benefits to working with a Williamsport car accident lawyer.

An Experienced Car Accident Lawyer Will Establish Negligence

Determining who was at fault for the car crash will be the priority of your car accident lawyer. […]

Read More

More information about Insurance

Williamsport Garbage Truck Accident Lawyer

Williamsport garbage trucks routinely travel the neighborhood streets, collecting waste and ensuring the landscape remains pleasant for residents and visitors. Unfortunately, when these garbage trucks are involved in accidents, it often leads to substantial damage and raises several legal complexities. From determining who is the liable party to dealing with insurance claims, there are essential steps to take in the event of this type of serious accident. Our Williamsport truck accident lawyers are ready to help if you’ve been in a garbage truck accident.

What Does a Garbage Truck Accident Attorney Do?

In an accident involving a garbage truck that results in injury, you may have grounds to seek compensation for various losses, such as medical bills, pain and suffering, lost wages, and more. Seeking this compensation can be a real challenge in these types of cases, and that’s where experienced garbage truck accident lawyers come in. […]

Read More

More information about Insurance

Williamsport Tractor Trailer Accident Lawyer

In the aftermath of a tractor trailer accident in Williamsport, having a skilled and experienced lawyer on your side is a game changer. A Williamsport tractor trailer accident lawyer is someone who specializes in helping individuals who have been involved in such accidents. They understand the complexities of these cases and can provide expert guidance and representation throughout the legal process.

If you’ve been affected by a tractor trailer accident in Williamsport, contacting a knowledgeable Williamsport tractor trailer accident lawyer at Munley Law can help you get your life back on track.

How Dangerous Are Tractor Trailer Accidents?

When involved in a crash you need Williamsport Tractor Trailer Accident LawyerTractor trailer accidents pose significant dangers on the road due to various factors. Firstly, the size and weight disparity between a tractor trailer and a passenger vehicle can lead to devastating consequences in a collision. The sheer mass of a tractor trailer can result in catastrophic injuries for occupants of smaller vehicles involved in the accident. […]

Read More

More information about Insurance

Williamsport Semi Truck Accident Lawyer

In a world where highways stretch across our landscapes, linking communities and commerce, it’s not uncommon to encounter the mammoth presence of semi-trucks. These behemoths of the road carry vital goods across vast distances, keeping our communities connected. Yet, with their sheer size and weight, accidents involving semi-trucks can be devastating, leaving victims grappling with immense physical, emotional, and financial burdens.

This is where the expertise of a Williamsport semi truck accident lawyer becomes invaluable. Amid chaos and uncertainty following a collision, having a legal ally who understands the intricacies of such cases can make all the difference. With a blend of professionalism, approachability, and unwavering dedication, these legal professionals are ready to guide you through the complexities of the legal process with compassion and expertise.

What Can a Semi Truck Accident Attorney Do?

Williamsport Truck Accident accident lawyer investigating an accident scene in Williamsport, PA

A semi-truck accident lawyer supports you when you’ve collided with one of these massive vehicles. […]

Read More

More information about Insurance

How Does a Williamsport Truck Accident Lawyer Investigate Your Trucking Accident?

Investigating truck accidents is far from a simple process. These inquiries require a deep grasp of commercial trucking operations, federal regulations, and local laws. One of the things that separates truck accidents from other motor vehicle collisions is the matter of liability or who is responsible for the incident. In a truck accident, liability can extend to various parties, including the truck driver, the trucking company, vendors, or even cargo loaders. To determine who is responsible for your accident, an experienced Williamsport truck accident lawyer will be needed to investigate the crash.

What Are the Causes of Most Truck Accidents in Williamsport?

If you were involved in a Williamsport, truck accident you need a Williamsport Truck Accident Lawyer like Munley LawThe causes of most truck accidents in Williamsport can vary, but some of the most common factors include:

Driver Error

Driver error includes a range of behaviors such as speeding, distracted driving, driver fatigue, or driving under the influence of drugs or alcohol. […]

Read More

More information about Insurance

Mehoopany Car Accident Lawyer

Car Accident Lawyer in Mehoopany, PA

Route 6 through the Susquehanna Valley is a rural highway that sees more traffic than most two-lane roads in northeastern Pennsylvania. Commuters, delivery vehicles, fuel tankers, and commercial trucks all share the same corridor through Wyoming County, and the rural character of the roads means limited shoulders, no center barriers, and response times that can stretch well beyond what you’d see closer to a city. When a serious accident happens on these roads, the combination of remote location and high-impact collisions often produces severe injuries.

Munley Law serves car accident victims in Mehoopany and throughout Wyoming County from our Scranton office. We handle car accident cases on a contingency fee basis — you pay nothing unless we recover compensation for you.

Wyoming County Road Conditions

Most of the roads connecting Mehoopany’s residents to the broader region are rural two-lane highways. […]

Read More

More information about Insurance

How is Pain and Suffering Calculated in Williamsport, PA?

In Williamsport, Pennsylvania, and across the country, personal injury law plays a critical role in seeking justice for those who have been harmed due to the negligence or wrongdoing of others. One of the most complex aspects of these claims is understanding how pain and suffering damages are calculated.

What Is Pain and Suffering in Pennsylvania?

Personal injury attorney in Williamsport, PA

Pain and suffering is a legal term used to define the physical and emotional anguish experienced by a person due to an injury. It’s a complex aspect of personal injury claims in Pennsylvania and falls under non-economic damages – which signifies intangible losses that have a definitive monetary value.

Physical pain can stem from the immediate injury and any necessary medical treatments. At the same time, emotional suffering can arise from the trauma of the event and the ongoing impact on the individual’s quality of life. […]

Read More

More information about Insurance

Williamsport Workers’ Compensation Death Benefits

Williamsport workers' compensation death benefits attorneysDealing with the loss of a loved one is an overwhelming experience. When that loss is a result of a work-related accident or injury, it can be even more devastating for the surviving family members. While no amount of workers’ compensation benefits can replace your loved one, it can help alleviate the financial stress that comes along with their untimely passing. This is where a Williamsport workers’ compensation death benefits lawyer can provide indispensable help.

Understanding Williamsport Workers’ Compensation Death Benefits

In the unfortunate event that an employee loses their life due to a job-related accident or illness, workers’ compensation death benefits step in to provide essential financial support. Tailored to ease some of the monetary burdens following such a tragic event, these benefits can help offset the costs of funeral expenses, accumulated medical bills, and lost wages while offering financial stability to dependents.

Understanding these benefits is the first step towards securing the financial assistance you’re entitled to during this difficult period. […]

Read More

More information about Insurance

Williamsport Drowsy Driving Accident Lawyer

Drowsy or fatigued driving, a peril often underestimated, can transform routine commutes into life-altering events, leaving individuals and families grappling with unforeseen consequences. If you or a loved one has been in a car accident as a result drowsy or sleepy driver, our Williamsport drowsy driving accident lawyers at Munley Law are ready to assist.

This form of impaired driving, resulting from inadequate sleep, extended hours of wakefulness, or disorders like sleep apnea, significantly diminishes a driver’s alertness, decision-making ability, and reaction time. Just like alcohol or drug impairment, drowsiness can lead to a loss of concentration, slower reflexes, and compromised judgment, making the simple act of driving home or to work perilous.

Understanding the Dangers of Drowsy Driving Williamsport Drowsy Driving Accident Attorneys

Alarmingly, according to the National Sleep Foundation, “estimates suggest motor vehicle crashes related to drowsy driving account for roughly 20% of all motor vehicle crashes.” […]

Read More

More information about Insurance

How Long Do Most Williamsport Personal Injury Claims Take?

If you’ve been injured due to the negligence of another party in Williamsport, you might be wondering about the duration of your personal injury claim.

Filing a personal injury lawsuit may seem overwhelming, but understanding the steps involved can provide some clarity and ease your worries. Remember, every case is unique, and the time required can vary greatly depending on several factors. ​It’s always best to speak with an experienced Williamsport personal injury lawyer to learn what your options are.

What Is a Personal Injury Claim?

A personal injury claim is a legal avenue sought by an individual, known as the plaintiff, who has suffered harm as a result of the negligent or intentional actions of another party. The whole point of filing this claim is to regain what you’ve lost because of your injury. We’re talking about covering your medical bills, […]

Read More
Search
Categories
Archives
LCA
PA Bar Association
top 100
Super Lawyers
Best law firms
best lawyers
top 1% of trial lawyers
av
Irish Legal
BBB Accreditation Badge The information contained on this website does not create an attorney-client relationship nor should any information be considered legal advice as it is intended to provide general information only. Prior case results do not guarantee a similar outcome.
844-686-5397