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.

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Philadelphia Taxi Accident Lawyer

Getting into an accident in a cab can be a traumatic experience, as you have no control over the vehicle or the driver, and you could sustain serious injuries, which is why you need a Philadelphia taxi accident lawyer on your side.

At Munley Law, our taxicab accident lawyers have been helping taxi accident victims for almost 70 years. We’re passionate about ensuring our clients get the compensation they need to recover and move on with their lives, and as a result, we’ve secured many multi-million-dollar verdicts and settlements. Results like that make it easy to see why our firm and our lawyers are routinely honored by legal institutions and thought leaders in Pennsylvania, the US, and further afield.

All our lawyers are members of the Pennsylvania Bar Association and the American Association for Justice, and four of our attorneys are board-certified by the National Board of Trial Advocacy. […]

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What Are My Rights As a Pedestrian in Philadelphia?

If a driver hit you while you were walking in Philadelphia, you have specific legal rights and a deadline to act on them. After a pedestrian crash, injured victims are often left dealing with medical treatment, lost income, insurance adjusters, and questions about how they will recover financially. Understanding your rights as a pedestrian in Philadelphia and how pedestrian accident claims work is an important step toward protecting your right to compensation.

What exactly are these rights, and how do they translate into everyday life in Philadelphia? What measures are in place to protect pedestrians, and what can you do if those measures fail?

Munley Law Philadelphia pedestrian accident lawyers have represented injured pedestrians and other accident victims in Pennsylvania since 1959. Five attorneys at the firm are board certified by the National Board of Trial Advocacy (NBTA), a credential earned through verified trial experience, […]

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Why Was My Philadelphia Car Accident Claim Denied?

Munley Law understands the frustration and confusion clients experience when they’re left asking why their Philadelphia car accident claims were denied. For many, the denial of a claim adds insult to injury, as navigating the aftermath of a crash can be daunting enough.

Car accident insurance claims are an important part of the recovery process, providing financial support for medical expenses, vehicle repairs, and other related costs. However, these claims are not always straightforward and may be denied for various reasons. Understanding these reasons is the first step towards successfully navigating the claims process.

In the City of Brotherly Love, where traffic can be heavy and accidents frequent, having your claim denied can feel like a second blow. However, a denial is not the end of the road. With the right auto accident attorney, it’s possible to challenge the decision and hopefully secure more compensation. […]

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Philadelphia Texting While Driving Accident Lawyer

Philadelphia Texting While Driving Accident Lawyer

A Philadelphia texting while driving accident lawyer at Munley Law can help you receive the justice and compensation you deserve if you’re injured due to a driver distracted by their phone. With more than 250 years of combined legal experience, protecting the rights of Pennsylvania’s injured is what we do best.

Over almost seven decades, we’ve obtained multi-million-dollar settlements and verdicts on behalf of clients, and we’re willing and able to pursue justice on your behalf. Recognizing our work for clients who’ve been rear-ended by distracted drivers on the Schuylkill Expressway or pedestrians who were hit on the crosswalk in Center City, numerous organizations have presented us with various accolades. Our car accident lawyers have been honored by the American Association for Justice, Lawdragon, Irish Legal 100, Super Lawyers, Best Law Firms, Martindale-Hubbell, and others.

Call or contact us online today to schedule a free consultation with a Philadelphia texting and driving accident attorney at Munley Law Personal Injury Attorneys. […]

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Philadelphia Reckless Driving Accident Lawyer

When drivers behave recklessly, their negligence can lead to severe and sometimes fatal outcomes, but Munley Law’s Philadelphia reckless driving accident lawyers are here to hold them accountable. For almost seven decades, our attorneys have defended injured Philadelphians, negotiating with insurance companies for fair settlements and arguing their cases in court when necessary.

As a result, we’ve obtained victories such as a $1 million jury verdict for the family of a retired firefighter who was killed by an intoxicated truck driver who was driving recklessly. Our lawyers’ relentless pursuit of truth and justice has garnered us five-star Google Reviews and accolades from Best Lawyers, Super Lawyers, Martindale-Hubbell, Irish Legal 100, Lawdragon, and other respected organizations.

For a no-obligation, free consultation, contact our Philadelphia car accident lawyers today.

What is Considered Reckless Driving in Pennsylvania?

Under Title 75 Pa. C.S.A. Vehicles § 3736, […]

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What Does a Philadelphia Car Accident Lawyer Do?

Choosing a Philadelphia car accident attorney is a decision not to be taken lightly. Car accidents can lead to serious injuries, which can have a lifelong impact. If you’ve just emerged from a traumatic situation like a car accident, you want to make sure that the person fighting on your behalf and protecting your rights is the right fit for you.

This begs the question: where do you begin when looking for an attorney after a serious car accident? Many people have never needed to work with a personal injury lawyer, and finding one can feel overwhelming.

If you or a loved one has experienced a car accident in Philadelphia and is unsure how to pick a car accident attorney, it can be helpful to start by understanding what exactly an automobile accident lawyer can do for you and your car accident case. If you still have questions, […]

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Philadelphia Rideshare Accident Lawyer

If you or someone you love was injured in a rideshare accident, it’s important to have a skilled Philadelphia rideshare accident lawyer on your side to fight for the compensation you need to recover.

Rideshare accident claims can be difficult to follow through on your own, and you may not be sure who should be paying your medical bills. That’s why it’s important to speak with an experienced Philadelphia personal injury attorney right after your accident. Munley Law’s attorneys have extensive experience in these complex road accidents and can assist you every step of the way, from comprehensively evaluating your case and injuries to helping you build your claim and even representing your case in court if necessary. Our partners have been recognized as some of the state’s leading trial lawyers, and we also have motor vehicle accident litigation specialists on staff to fight for justice on your behalf. […]

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Philadelphia Construction Accident Lawyer

With construction being one of the top 10 most dangerous jobs in the US, sustaining a potentially life-changing injury is a reality – and if this happens, you need Munley Law’s Philadelphia construction accident lawyer on your side. With almost 70 years of experience, our firm knows how to protect the rights of injured construction workers and to fight to ensure they’re fairly compensated for their losses.

Our lawyers have recovered more than $1 billion in damages thanks to our dedication to justice, thorough investigations, and strong cases. Recognizing our skills at the negotiating table and in the courtroom, numerous legal organizations and publications, such as Best Law Firms, Best Lawyers, Super Lawyers, Irish Legal 100, Martindale-Hubbell, and Lawdragon, have honored us with prestigious accolades and awards. In addition, we’ve received many five-star Google Reviews from satisfied clients.

If you or a loved one has been injured on a construction site, […]

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Pittsburgh 18 Wheeler Accident Lawyer

With injuries that are often severe and involve multiple defendants, a crash involving a large 18-wheeler truck is nothing like a regular car accident, which is why you need an experienced Pittsburgh 18-wheeler accident lawyer on your side. At Munley Law, our team of highly qualified attorneys with more than 250 years of combined experience is ready to get to work for you.

We have led the American Association for Justice Trucking Litigation Group and were among the first lawyers in Pennsylvania to become board certified in truck accident law by the National Board of Trial Advocacy. We’re routinely honored by organizations such as Best Lawyers, Best Law Firms, Super Lawyers, Irish Legal 100, and Martindale-Hubbell for our handling of truck accident cases. By obtaining results such as a $26 million truck accident settlement, our truck accident lawyers have helped accident victims recover more than $1 billion in damages. […]

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Bethlehem Uber Accident Lawyer

Having an experienced Bethlehem Uber accident lawyer on your side is crucial when a rideshare trip ends in serious injury. An Uber crash can turn your life upside down, physically, emotionally, and financially. Knowing your legal rights and options after such an accident is essential for getting the compensation you deserve.

Munley Law is one of the most respected firms in Pennsylvania for Uber accident claims, with almost seven decades of success, client-first service, and a track record of significant verdicts and settlements on behalf of injured crash victims. We have won compensation of over $1 billion for clients, and we use our deep understanding of local Bethlehem roads, traffic laws, and courts to build strong, effective cases for our clients. We are also extremely familiar with Pennsylvania’s rideshare laws and understand how an Uber accident differs from a usual car accident.

Contact our Lehigh Valley lawyers for a free consultation today. […]

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Harrisburg Pedestrian Accident Lawyer

Experiencing a pedestrian accident is devastating for you or your loved one. The aftermath can be overwhelming as you deal with physical injuries, emotional trauma and financial burdens. The last thing you should worry about is how you can afford your recovery, which is why hiring an experienced lawyer is not just a choice but a necessity. Munley Law is the best choice for injury victims in Harrisburg, Pennsylvania.

Harrisburg Pedestrian Accident LawyerThe capital city of Pennsylvania, Harrisburg is known for its vibrant arts scene, iconic landmarks like the State Capitol Complex, and the Susquehanna River’s picturesque beauty. The city’s blend of history and modernity is reflected in its legal practices as well. Munley Law is a team of dedicated Harrisburg pedestrian accident lawyers who offer top-notch legal services rooted in continued growth and existing precedents.

With a proven track record in handling pedestrian and car accident cases, […]

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Who’s At Fault in a T-Bone Accident?

If you have been injured in a T-bone crash, our experienced T-bone car accident lawyers can help you determine who is at fault and secure the compensation you deserve.

For more than 65 years, Munley Law has represented a range of personal injury cases and secured favorable verdicts for our clients. With over a billion dollars in settlements won to date and one of our car accident verdicts reaching $20 million, our firm and attorneys have been recognized by some of the legal industry’s leading directories, including the National Board of Trial Advocacy, the Summit Council, the American Association of Justice, and the Multi-Million Dollar Advocates Forum. All five of our firm’s partners hold AV Preeminent Ratings from Martindale-Hubbell and have been named to the Lawdragon 500 Leading Plaintiff Consumer Lawyers list.

Our skilled lawyers have the knowledge, experience, and dedication needed to guide you through the aftermath of your accident, […]

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 Can You Sue For Wrongful Death In A Motorcycle Accident Claim?

Losing someone you love in a motorcycle accident raises the question of whether you can sue for wrongful death. In many cases, the answer is yes, you can sue for wrongful death in a motorcycle accident claim, if another person or party’s actions caused the accident and your family’s loss.

Your motorcycle accident lawyer with Munley Law can explain how these claims work, what proof is needed, and how we can help your family pursue the justice and compensation you deserve. Contact us today for a free consultation. There is no fee for our services unless we win your case.

Speak with a motorcycle accident lawyer today.

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When a Motorcycle Crash Becomes Grounds for a Wrongful Death Lawsuit

If you lost a loved one in a motorcycle crash, […]

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Jim Thorpe Personal Injury Law

After suffering an injury in Jim Thorpe, Pennsylvania, the situation can feel overwhelming—mounting medical bills, lost income, and the challenging physical recovery process can quickly become all-consuming. For over 65 years, Munley Law has been protecting the rights of injured victims throughout Pennsylvania. Our Jim Thorpe personal injury attorneys provide compassionate, expert legal representation so you can focus solely on healing. We handle every aspect of your case—from thorough case evaluation and insurance negotiations to calculating fair compensation and representing your interests in court if necessary. Don’t let personal injury law add to your burden. With Munley Law by your side, you can rest assured your rights remain protected while you prioritize what matters most: your recovery.

Types of Personal Injury Cases in Jim Thorpe We Handle

Jim Thorpe Pennsylvania personal injury lawyerPersonal injury cases come in many forms. Here are some of the most common types that our personal injury lawyers serving Jim Thorpe might handle:

Car accidents

Car accidents are among the most common causes of personal injury claims. […]

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What to Do If You Are Injured While on Vacation

A cruise in the Caribbean, a hiking trip in the Grand Canyon, a beach vacation in Hawaii, or exploring local gems — these are all dream vacations. But, even on a dream vacation, accidents can happen. One unexpected injury on vacation can throw you into a whirlwind of physical pain, emotional distress, and crippling financial debt.

If you were injured on vacation, don’t let worry consume you. The Munley Law personal injury lawyers can help you get back on your feet. We’re going to guide you through the right steps immediately following an injury and explain your legal rights after an accident. For more information, call an experienced lawyer at Munley Law today. We offer a free consultation where we listen to your story, explain your options, and help you understand the best path forward.

Immediate Steps to Take After a Vacation Injury

The first thing we need to discuss are actionable steps you can take immediately following an accident. […]

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Are Electric Vehicles Safe in an Auto Accident? 

Yes, electric vehicles are generally as safe as conventional vehicles in accidents. Research shows EVs have comparable overall safety records, and many models earn top safety ratings. However, they present different safety characteristics that drivers should understand.

Electric vehicles offer promising environmental benefits and innovative technology while presenting unique safety factors that every driver should know about. As EVs become increasingly common on our roads, knowing their specific characteristics could make a critical difference if you’re involved in a car accident

The Growing Popularity of Electric Vehicles

Are Electric Vehicles Safe in an Auto AccidentThe shift toward electric transportation is happening at an impressive pace. In 2023, the U.S. registered 1.4 million EVs—a 40% increase from the previous year. China is projected to manufacture approximately three million EVs by 2024, while the Environmental Protection Agency estimates that by 2032, half of all new passenger vehicles sold will be electric. […]

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Allegheny County — SUV Crashes Through Roof of Home in White Oak, PA

ALLEGHENY COUNTY, PA (March 18, 2025) —— A minivan crashed into the roof of an antique club in White Oak on Friday, March 14.

The crash occurred around 5:45 a.m. in the area of Bridgeview Street.

The cause of the crash remains unknown, but the minivan driver reportedly told responders at the scene that he hit the gas instead of the brakes. The driver was reportedly a man in his 70s who lives in the neighborhood, according to neighbors who responded. He was conscious but broke his arm.

The home was severely damaged. The home serves as an antique and car club.

Investigations continue.

Car Accidents Involving Buildings in Pittsburgh

In Pennsylvania, multiple parties may be liable: the driver (most common), vehicle manufacturers (in cases of mechanical failure), government entities (for road design issues), or property owners. Pennsylvania’s insurance framework provides several avenues for compensation. […]

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Monroe County, PA – Foggy Weather Blamed For Fatal Car Crash

workers compensation car accident

MONROE COUNTY, PA (March 16, 2025)  – Two people had died following a motor vehicle crash in Monroe County on March 15.

According to news reports, The car was hit by an oncoming vehicle when it was making a left turn off State Route 115 South in Tunkhannock Twp. The two passengers had died in the accident. The driver of the vehicle was injured and rushed to the hospital.

Authorities noted that visibility at the time of the accident was poor due to fog.

Police are investigating the accident.

Fatal Car Accidents Caused By Fog in Monroe County, PA

Pennsylvania’s diverse topography and climate create ideal conditions for fog formation throughout the state, particularly in valleys, mountainous regions, and areas near bodies of water. These fog conditions significantly contribute to auto accidents and subsequent personal injury claims across the Commonwealth. […]

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Driver Rescued From Crash With School Bus in Lancaster County

LANCASTER COUNTY, PA (March 13, 2025) —— A school bus and car wrecked this morning, demolishing the car.

According to local media, the wreck occurred at Valley Road/Route 372 and May Post Office Road in Eden Township at 6:54 a.m.

One person was trapped inside the car when the Quarryville Fire Company arrived. Rescue crew removed the car doors to free them, and reported the passenger sustained minor injuries.

At this time it remains unclear if any students were aboard the bus and to which district it belongs.

This is a developing story. Investigations continue.

Bus Accidents with Cars in Pennsylvania 

School bus accident claims involve a number of legal challenges. There are multiple liable parties, potentially including school districts, bus companies, drivers, maintenance providers, and other motorists. There are also governmental immunity considerations, […]

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Cranberry Township Product Liability Lawyer

When manufacturers put profits ahead of safety in Butler County, they must be held accountable for the personal injuries they cause. If you’ve been harmed by a defective product, Munley Law’s Cranberry Township product liability attorneys can help you seek compensation. Our lawyers have fought for injured clients throughout Butler County for 65 years.

Unsafe products lead to mounting medical bills, lost income, and ongoing pain. We have secured millions in compensation for victims harmed by dangerous products, including defective car parts and unsafe medical devices.

Munley Law gives you direct access to experienced personal injury attorneys in Cranberry Township who will investigate your case, gather evidence, and pursue maximum compensation. We don’t collect any fees until we’ve won your case. Call us today to schedule a free consultation.

Common Product Liability Cases in Cranberry Township

Faulty products can be found in Cranberry Township homes, […]

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