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.
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Can a Car Accident Claim be Reopened?
Can You Reopen a Past Car Accident Claim?
The aftermath of a car accident can be an immensely stressful and overwhelming time. The financial burden of medical bills and additional damages, the mental and emotional weight of trying to get back to your regular life, the physical strain of your injuries–it’s a lot. What’s more, the process of making an insurance claim or a legal claim can feel wildly daunting. It’s very normal to feel confused by the process, and to want it to be settled and done as quickly as possible. No one wants to spend more time than they have to talking to the insurance company and navigating the claims process when they’re trying to heal.
But what happens if you do reach a settlement agreement and close your car accident claim, only to realize that, for whatever reason, you’d like to reopen it? […]
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How Long Does It Take to Receive a Offer of Compensation?
Does it Take a Long Time to Receive a Fair Settlement Agreement?
After an accident, you may have a million things running through your mind. At the top of the list might be how you are going to recover from your injuries, including who is going to pay for medical bills, take care of you, and more. And how long does it take to receive compensation.
To ensure you receive fair compensation in any kind of personal injury claim or personal injury lawsuit, you want to make sure you have an experienced injury lawyer by your side. At Munley Law Personal Injury Attorneys, our personal injury lawyers have been fighting on behalf of victims for more than 60 years. Our team of lawyers have received settlement funds in the millions for our clients. We will use our skills to negotiate with insurance company to ensure you receive a fair offer of compensation so you can recover from your injuries. […]
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Who Determines Fault in a Car Accident?
Parties Who Determine Fault in Car Accident

If you’ve been injured in a car accident, one of the first things you might think is “That was not my fault!” Once the immediate stress of the accident wears off you might start wondering, “But how do I prove that? Can I prove that? Who actually determines the fault in a car accident?” Fault is not necessarily decided by one party. Rather, the police report, your insurance company, and sometimes the other driver play a role in determining fault in car accidents.
In order to recover compensation for damages in an auto accident, you should consult an experienced car accident lawyer. The team at Munley Law Personal Injury Attorneys has decades of experience helping the victims of car accidents and we’re here to offer a free consultation and free case review today. […]
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When to Hire an Attorney After a Car Accident
Car accidents are traumatizing events for all involved. In the aftermath of a car accident, there are so many questions to be answered. What kind of medical care do I need? Do I have to take time off work? Will my insurance cover this? Is my car okay? Can I afford all this? How will I get to work? In the midst of all this, one question that may cross your mind is: Do I need a lawyer?
You’re not required to hire a car accident attorney, and in some cases, doing so may not be necessary. However, while working with an experienced lawyer does not guarantee a specific outcome, it does guarantee that you’ll have someone with knowledge of the legal system fighting on your behalf. For many people, working with a personal injury lawyer after a car accident is worth it because it means that can focus on things like rest and recovery, […]
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How Can a Truck Accident Lawyer Help?
Why Do I Need a Truck Accident Lawyer After an Accident?
Dealing with the aftermath of a truck accident in Pennsylvania can be frustrating, stressful, and devastating. Faced with medical expenses, pain and sufferings, and lost wages, the road to recovery may seem long and hard for both you and your family. What you need is an experienced truck accident lawyer to help you receive the maximum amount of compensation for your losses, in a timely manner, so you and your family can start the healing process.
But how can a truck accident lawyer help your claim and why do you need one? Let’s explain.
A Truck Accident Lawyer Can Help With Deadlines and Evidence
Timeliness is critical when establishing liability and the best possible financial compensation that you are entitled to. Reputable truck accident lawyers understand that timing is crucial to ensure a fair, […]
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What is the Truck Accident Claim Process?
What Happens After a Trucking Accident?
Being involved in an truck accident is a traumatic experience. Like a car accident, a truck crash can cause debilitating personal injuries and emotional distress–but due to the sheer size and force of the vehicle, truck accidents often cause more severe injuries and mental agony than an accident involving passenger cars alone.
When you or a loved one is involved in a truck accident, the last thing you want to do is try and figure out the complicated truck accident claim process.
It is essential, however, that you act fast–while evidence is fresh and before the statute of limitations runs out–in order to ensure you receive the full and fair compensation you deserve. Thankfully, an experienced truck accident lawyer can handle most steps of the truck accident claim process for you, and at no charge to you unless you win a truck accident settlement or jury award. […]
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Should I Accept the Insurance Company’s Offer After a Truck Accident?
Should I Take the Insurance Company’s Settlement?
Truck accidents are complex, multi-faceted, traumatic, and emotionally draining events for all parties involved — especially truck accident victims. If you or your loved one has fallen victim to such a devastating occurrence, there is evidence to scrutinize, truck logs to detail, mechanical efficacies to validate, and liability to determine.
Big trucking companies have built-in insurance company representatives who are trained to empathize and to negotiate an early settlement offer with you. You are likely to endure more injuries and expenses than you originally thought, and once you formally agree and accept an insurance settlement offer, you cannot later act on second thoughts; further negotiations are considered off the table.
This all leads to why you should never be hasty to accept an initial offer that an insurance company makes — the best way to protect your rights after a truck accident is to make sure you don’t speak with the insurance company until you first speak with an experienced truck accident lawyer at Munley Law Personal Injury Attorneys who will defend your rights and ensure that you are fairly compensated. […]
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What Can I Sue for After a Truck Accident?
A truck accident can happen at any time. When you are in a passenger vehicle, on a bike or motorcycle, you are particularly vulnerable to serious injuries. Trucks are heavy vehicles with a lot of force and the potential to cause serious damage just by their sheer size and weight.
Pennsylvania has many interstates, routes and highways which see a lot of truck traffic. If you have ever been traveling on route 81 for instance, you know how intimidating and scary it can swiftly become to be surrounded by large trucks going at a high rate of speed.
After a truck accident you might be facing a lot of frustrating and confusing hardships. You can have minor or very serious injuries, you might have lost your vehicle which was your primary transportation to work, you might be angry and scared looking forward to a future with physical therapy, […]
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What Percentage of Truck Accidents are Caused by Cars?
What Happens When a Car Driver is Responsible for a Truck Accident?
Truck drivers are the heart of America’s infrastructure. In 2020, 10.23 billion tons of freight was transported by trucks in the United States. Food, construction materials, raw materials for U.S. manufacturers, and every vital retail goods sold and shipped in the U.S. relies on big rigs. More than 72 percent of transported items in this country are moved by trucks. The U.S. economy is driven by large trucks. But what happens if you are a truck driver involved in a large truck crash and you are not at fault?
At Munley Law Personal Injury Attorneys, we know picking up the pieces after a truck accident can feel like an insurmountable task. If you or a loved one becomes a victim of a truck accident caused by a passenger vehicle or other motorist, our highly experienced and dedicated truck accident lawyers are ready to help you. […]
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Commercial Vehicle Accident Lawyer
Have you or a loved one been injured in a commercial vehicle accident? The truck accident lawyers at Munley Law Personal Injury Attorneys are here to help.
Being involved in any type of accident can be catastrophic to the victim and their family. However, when a commercial vehicle crash leaves you injured and unable to work, resulting in piling medical bills, you need a law firm that can help you recoup your losses and hold the at-fault party accountable.
At Munley Law Personal Injury Attorneys, our personal injury lawyers work with you to recover lost wages, medical bills, property damage, and more. To set up a consultation with our legal team, contact the commercial vehicle accident lawyers at Munley Law Personal Injury Attorneys by calling844-686-5397 or connecting with us online.
What Is a Commercial Vehicle Accident?
Commercial vehicle accidents are those collisions that involve commercial transport. […]
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How Much Can Someone Sue for a Car Accident?
In general, there is no limit to how much you can sue someone for a car accident. However, there are factors that may limit how much compensation you will recover in a lawsuit. Things like the severity of the injuries, the extent of the other party’s negligence, and the coverage of insurance policies will all limit what you can recover.
How Much Can You Sue For After a Car Accident?
Car accident victims can sue for economic and non-economic damages depending on the severity of the wreck. The only way to really maximize the total compensation a victim may be awarded is by utilizing the legal representation of a car accident lawyer.
Potential compensation a car accident victim may be awarded includes:
- Medical expenses
- Lost wages
- Diminished earning capacity
- Property damage
- Pain and suffering
- Loss of consortium
- Wrongful death
The award will also depend on the severity of the crash. […]
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Why Is My Car Accident Settlement Taking So Long?
Sitting around and waiting for your case to settle can be frustrating. It may feel as though you are not being prioritized, or that you’ve been forgotten, but that is not the case. Asking, “Why is this taking so long?” is valid but cannot be easily answered.
The process of settling a case is complex, intricate, and includes many working parts that take time. In some cases, a car accident claim may have to go to court because both parties cannot reach an agreement. This can make the whole process even longer. An important fact to remember is that every case is unique; therefore, the amount of time it takes for a case to settle is unique. Although easier said than done, it is important to stay as patient as possible when waiting for your settlement.
Why Do Car Accident Settlements Take Such a Long Time? […]
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Do You Have to Go to Court for a Car Accident?
Like over 104,000 Pennsylvania state residents, you might find that you have gotten in an automobile accident (Pennsylvania Department of Transportation). Being in an automobile accident, alone, is difficult enough. However after the crash, you may feel even more overwhelmed once law enforcement, insurance companies, lawyers, and even perhaps doctors get involved with your case. Many may experience confusion over what obligations they are under immediately following the crash.
You may find yourself asking, “Do You Have to Go to Court for a Car Accident?
Even the most minor crashes can be traumatic experiences. We therefore recognize that car accidents can be particularly difficult times in a driver’s life. If you or a loved one was involved in a crash, we express our most sincere condolences. Working with an experienced car accident lawyer can make a huge difference, both in making this turbulent process a little smoother, […]
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Workers’ Compensation for Boscov’s Warehouse Injuries
In 2020 alone, there were 213,100 warehouse-related injuries and 8,300 warehouse illnesses reported. In fact, in 2019, the warehouse sector was responsible for the second-highest number of fatal workplace injuries compared to all other industries. Warehouse environments, including Greiner packaging warehouses, are particularly prone to workplace injuries due to heavy machinery and fast-paced operations.
If you work in a Boscov’s warehouse, Adidas warehouse facility or another retail supplier and manufacturer, the workers’ compensation lawyers of Munley Law Personal Injury Attorneys can guide you through the workers’ compensation process.
The Boscov Story
Boscov’s Inc. is America’s largest family-owned department store with 48 locations in Pennsylvania, New Jersey, Maryland, New York, Connecticut, Delaware, Ohio, and Rhode Island.
The first Boscovs opened in 1918 in Reading, Pa. In the 1980s, the chain opened operations in Delaware and New York. […]
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Workers’ Compensation Lawyer for Frito-Lay Warehouse Injuries
Frito-Lay, the company that is very likely responsible for your favorite potato chip, currently employs about 55,000 people across 29 individual brands. Many of these tens of thousands of jobs exist in the state of Pennsylvania, as the state is home to many warehouses in areas like Moosic, Williamsport, Paxinos, and more.
But while it’s certainly wonderful that so many employment opportunities exist for Pennsylvania residents through this company, the reality is that Frito-Lay warehouse workers face substantial risks every time they clock in. Warehouse work is one of the most physically dangerous professions, and it’s not uncommon for the corporations behind the warehouses to try to shortchanged their own injured employees.
If you or a loved one is employed at a Frito-Lay warehouse and has experienced a workplace injury or sustained an occupational disease, you may be entitled to workers’ compensation. Overwhelmed by the prospect of navigating that system alone? […]
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Car Accident Lawyer in Ohio
The trauma of experiencing an accident doesn’t end once you leave the scene. We know that the mental, emotional, physical, and financial impact of a car accident can follow you for a very long time. It can all feel isolating and overwhelming, whether it’s you or someone you love carrying the weight and experience of your accident. In 2020 alone, Ohio saw 1,154 fatal car accidents, and 1,230 total traffic fatalities; there are, of course, thousands more accidents every year that are non-fatal but still traumatizing.
We at Munley Law Personal Injury Attorneys know how hard the aftermath of an accident can be, and we are here to help you navigate a way through it. Don’t take this on alone: allow us to help so that you can focus on your recovery. Our highly experienced and compassionate lawyers are standing by and are ready to begin fighting for you at any time. […]
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What If I Get Into a Car Accident and I Don’t Have Insurance?
Car accidents are unfortunately much more common than one might think. According to the Pennsylvania Department of Transportation, in 2020 there were 104,475 reportable traffic crashes in Pennsylvania. This means that roughly one in every 57 Pennsylvania residents was involved in a reportable accident.
If you or a loved one was involved in a crash, you may benefit from seeking out an experienced car accident lawyer. The car accident attorneys at Munley Law Personal Injury Attorneys can help. Contact us today for a free consultation to discuss the specifics of your case.
Minimum Car Accident Insurance Required in Pennsylvania
Pennsylvania law requires motorists to have both a drivers’ license and vehicle liability insurance before getting behind the wheel, according to Pennsylvania DOT Driver & Vehicle Services. Vehicle liability insurance covers medical expenses, lost wages, and any other damages that occur from vehicle-related injuries. […]
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Can You Sue Someone for a Minor Car Accident?
Should You File a Claim After a Minor Car Accident?

Maybe it’s a small fender-bender in the grocery store parking lot. Or perhaps a driver misjudged the lane shift and tapped into your car. Sometimes these minor car accidents happen, resulting in minimal damage to your vehicle. While it may just be an inconvenience without injury, you may wonder, can you sue someone for a minor car accident?
The answer is yes — anytime you are involved in a car accident, you have a right to file a claim with your insurance or file a lawsuit against the other driver to recover compensation. The real question is, will your case be successful for a minor car accident?
Every accident can involve both non economic damages and economic damages. So, in some cases, a personal injury claim is appropriate to recover pain and suffering damages. […]
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Do You Always Get A Settlement From A Car Accident?
When Do You Get a Settlement From a Car Accident?
While insurance claims following a car accident do not always end with a settlement, you do always have a right to file a claim and try to seek compensation for your injuries. There are various factors that will determine the success of your car accident settlement claim, most importantly, the severity of your injuries. Car accident victims will have a lot of questions after a car crash about how to deal with insurance companies and what kind of settlement offer or help with medical expenses and more that they can expect.
How Car Accident Settlements Work
Before car accident settlements are even discussed, you’ll have to file an insurance claim with both your own insurance company and the other drivers. In many cases, the insurance company should cover your needs, […]
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Munley Law Personal Injury Attorneys Announces $4 Million Settlement with Shipping Company Responsible for Selecting an Incompetent Carrier
Munley Law Personal Injury Attorneys won a $4 million settlement for a client from a shipping company that selected an incompetent trucking company to transport its goods.
Munley Law Personal Injury Attorneys represented a couple that was severely injured in a multi-vehicle accident caused by one of the trucking company’s tractor trailers. According to the complaint, the accident occurred in a construction zone when a tractor trailer was unable to stop because its brakes were not properly adjusted. The truck rear ended the couple, causing a multiple vehicle collision. The accident left the couple with life-altering injuries, including paraplegia and severe back injuries.
According to the complaint, the truck carried the mandatory minimum insurance of $750,000.
“This settlement will go a long way to help our clients recover from such a horrific accident,” said Marion Munley, lead counsel on the case. It also sends a clear message to shipping companies to do their due diligence before selecting a carrier.”
For more than 60 years, […]
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