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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What Age Can a Child Ride on the Back of a Motorcycle in PA?
Is there a motorcycle passenger age limit in Pennsylvania? You may have questions about the minimum age for motorcycle passengers in the Commonwealth if you’ve been thinking about taking your child on the back of your bike.
Pennsylvania’s motorcycle laws have little to say about the minimum legal age of motorcycle passengers. However, they address other critical safety issues.
At Munley Law, serving the area since 1959, we know obeying the law can’t always prevent harm. If you or your child has been hurt in a motorcycle accident, contact our Pennsylvania motorcycle accident attorneys for a free consultation.
Pennsylvania Law on Child Motorcycle Passengers
The Pennsylvania law addressing motorcycle passenger safety doesn’t establish a minimum age for passengers. This isn’t uncommon. Most states don’t have laws prohibiting motorcyclists from riding with child passengers as long as they abide by other applicable safety requirements. […]
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Pottsville Car Accident Lawyer
If you’ve been injured in a car accident in Pottsville, Pennsylvania, you may be facing mounting medical bills, lost wages, and stress about what to do next. At Munley Law, our experienced Pottsville car accident lawyers are here to guide you every step of the way.
With decades of combined experience in handling car accident cases in the Pottsville area, Munley Law has earned a reputation as the region’s leading personal injury law firm, providing compassionate service, expert legal guidance, and a track record of success. If a negligent or reckless driver caused you or your loved ones harm, you deserve to be compensated for your losses.
For a no-obligation, free consultation, contact our Pottsville car accident lawyer at Munley Law today.
Why You Need a Pottsville Pennsylvania Car Accident Lawyer
Car accidents in Pottsville can present some complicated legal challenges. […]
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The At Fault Driver Wants to Pay Out of Pocket. Should I Accept?
Medical bills. Repair costs. A painful recovery from your injuries.
These are just some of the potential consequences of a motor vehicle crash. If you’ve been injured in such a wreck, particularly one another negligent motorist caused, compensation may be available for your losses. The most common ways to recover it are to file an insurance claim or a lawsuit.
However, sometimes, the at-fault driver will offer cash immediately or shortly after an accident. Understanding the pros and cons of accepting a cash offer can help you better determine whether doing so is the best option now. For more information, contact Munley Law today and discuss your car accident case with a free consultation.
Understanding Out-of-Pocket Settlement Offers
There is no law in most other states requiring motorists to settle car accidents via traditional processes, […]
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Multi-Vehicle Crash in Lancaster County Sends Two to Hospital
Police are currently investigating a multi-vehicle car accident that sent two people two people to the hospital on December 13 in Lancaster County.
According to news reports, the accident occurred in Manheim Township where one of the vehicles overturned in the middle of the highway. Police officials say the southbound lanes of Route 222 were closed for several hours as the crash were investigated.
Authorities say two people sustained serious injuries in the accident.
The Difficulties Surrounding Multi-Vehicle Accidents
Multi-vehicle accidents, often called chain-reaction crashes or pileups, can be particularly devastating events that frequently occur on highways and major roadways, especially during adverse weather conditions or periods of heavy traffic. These accidents typically begin when one collision creates a cascade effect, with subsequent vehicles unable to stop in time to avoid the initial crash. Common triggers include sudden braking in dense fog, […]
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Upper Darby Nursing Home Abuse Lawyer
When you place an elderly loved one in a nursing home facility, you expect them to be treated with dignity and respect. But when you start to notice signs of elder abuse, you can feel like you let your family member down and now have to fight another battle. The Upper Darby nursing home abuse lawyers of Munley Law understand the devastating impacts elder abuse can have on the victim and their family.
At Munley Law, we have 65 years of experience in complex personal injury cases, including those involving neglect in assisted living facilities. If you suspect medical malpractice, sexual abuse, or any form of nursing home negligence, call our law office today for a no-obligation, free consultation.
What is Nursing Home Abuse in Upper Darby, PA?
According to the World Health Organization (WHO), […]
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General Attorney vs Trial Attorney: What’s the Difference?
Not all attorneys are the same. You might already understand that some types of attorneys practice law differently from others. For example, district attorneys prosecute those accused of crimes in criminal cases while defense lawyers represent them.
However, it’s also important to understand the difference between general and trial lawyers. This is particularly true if you have a personal injury case or similar matter that may go to trial. Hiring a lawyer with courtroom experience could provide you with a significant advantage during settlement negotiations.
At Munley Law, we’d be happy to discuss our trial experience when reviewing your personal injury case. Contact us today for a free consultation.
Why a Trial Attorney Makes a Difference in Personal Injury Cases
A trial attorney can play a significant role in the outcome of your case should you ever file a personal injury claim or lawsuit. […]
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Fatal Crash in Northeast Philadelphia Claims Passenger’s Life
A 26-year-old passenger died in the early morning hours of December 11 when a BMW crashed into a parked van in Philadelphia’s Mayfair neighborhood, police reported.
The incident occurred at 1:30 a.m. on the 6600 block of Frankford Avenue. According to news reports, the BMW’s driver lost control of the vehicle and struck a parked van, forcing it onto the sidewalk. The passenger was ejected from the BMW and pronounced dead at the scene.
The driver sustained injuries and is receiving medical treatment. Philadelphia police say excessive speed appears to be a factor in the crash.
The investigation remains ongoing.
The Causes of Car Accidents in Philadelphia
Unfortunately, auto accidents occur regularly in Philadelphia. The Pennsylvania Department of Transportation’s latest data shows approximately 8,549 car crashes in the city in 2023. These statistics reflect various contributing factors, from driver behavior to environmental conditions. […]
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Disposal Worker Injured by Pickup Truck in Lancaster County Crash
A disposal worker was injured in Lancaster County on the morning of December 9 after being hit by a pickup truck. According to news reports, the incident happened around 5:30 a.m. along South State Street in West Earl Township. The worker had just dismounted from the trash disposal truck when he was struck by the truck.
The worker sustained multiple injuries and was transported to the hospital, where he is in stable condition. Police say the crash is still under investigation.
Workers’ Compensation and Car Accidents
Getting into a car accident while on the job can be a complex situation as it involves both personal injury and workers’ compensation elements. Whether you’re a delivery driver, traveling salesperson, or simply running a work errand, understanding your rights and the steps to take after a work-related car accident is important for protecting your health and financial well-being. […]
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Who Can I Sue After a Ruptured Gas Line Causes an Explosion?
A natural gas explosion can leave victims with severe burns and other such injuries. You may deserve compensation for the cost of medical treatment and related damages if you’ve been injured in such an accident.
However, you might not know how to recover compensation after being injured, perhaps because you don’t know who you can sue when a gas explosion occurs. At Munley Law, our gas explosion attorneys can provide answers about your legal rights. Contact us today for a free consultation.
Potential Parties Liable in Gas Line Explosion Cases
Seeking compensation for medical expenses, lost wages, and other such losses from gas explosion injuries generally involves filing a personal injury claim with the liable party’s insurer. In some cases, compensation can be sought from other liable parties. Potentially liable parties when gas explosion accidents occur include:
- The local gas company
- Property owners and managers, […]
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How Are Medical Bills Paid After a Car Accident in Bensalem?
If you’ve been involved in a car accident in Bensalem, Pennsylvania, you may be facing not only physical and emotional challenges but also the daunting prospect of dealing with medical bills. In such a stressful time, understanding how medical bills are paid can provide you with valuable information and peace of mind. At Munley Law Personal Injury Attorneys, our Bensalem car accident lawyers have extensive experience in helping car accident victims in Bensalem and the surrounding areas navigate the complex process of medical bill payment.
Insurance Coverage for Medical Bills
One of the primary sources of payment for medical bills after a car accident is insurance coverage. In Pennsylvania, drivers are required to carry a minimum amount of auto insurance, which includes:
Medical Benefits (Med Pay)
Medical Benefits, often referred to as Med Pay, […]
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What Happens If You’re in an Accident with a Rental Car?
When you’re in an accident with a rental car, the last thing you need is more stress trying to figure out insurance coverage. You likely have multiple layers of protection available. Your auto insurance may cover the incident, the rental company’s optional coverage could kick in, and even the credit card you used to rent the vehicle might provide insurance benefits.
If you’ve been hurt in a rental car accident, don’t hesitate to reach out to a car accident attorney at Munley Law who can guide you through this challenging time. They’ll work hard to protect your interests and help you get the compensation you deserve while taking the burden of dealing with multiple insurance claims off your shoulders.
Who Covers a Rental Car Accident?
When you’re involved in a rental car accident, there can be several sources of coverage. First, […]
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Munley Law Earns Tier 1 Rankings From Best Law Firms® in 2025
Munley Law is pleased to announce it has been recognized in the 2025 edition of Best Law Firms® in five practice areas.
Founded in 1959, Munley Law is a national leader in personal injury law. Our personal injury lawyers have been listed in Best Lawyers in America® and Pennsylvania Super Lawyers® and have earned board certifications from the National Board of Trial Advocacy.
Munley Law received the following Regional Tier 1 rankings in the 2025 Best Law Firms® for Northeastern Pennsylvania:
- Personal Injury Litigation – Plaintiffs
- Workers’ Compensation Law – Claimants
- Medical Malpractice Law – Plaintiffs
- Product Liability Litigation – Plaintiffs
- Insurance Law
Earlier this year, nine of our personal injury attorneys were named to The 2025 Best Lawyers in America® list. Additionally, Mackenzie Wilson was listed in the 2025 Best Lawyers: Ones to Watch® list. […]
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Average Settlement for a Pedestrian Hit By a Car
Pedestrians are often far more vulnerable than motorists when navigating busy cities and towns. In a car, a motorist or passenger is surrounded by a steel frame that absorbs the shock of impact during a collision. A pedestrian is not afforded nearly the same degree of protection.
You may deserve compensation if you’ve been harmed in a pedestrian accident you believe resulted from the negligence of another party. Although settlement amounts can be substantial in these cases, as injuries in a pedestrian accident are often serious, the “average” settlement after a pedestrian accident varies widely. Factors like whether a victim has proper representation can play a significant role in the outcome of a case.
Still struggling with the physical and emotional aftermath of being struck by a vehicle, wondering if legal action is your next step? At Munley Law, our pedestrian accident attorneys have guided countless pedestrians through this exact situation, […]
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Where Do Pedestrians Get Hit the Most?
Where do pedestrians get hit the most, and who is liable for their injuries or deaths? At Munley Law Personal Injury Attorneys, we represent personal injury victims and their families who have been injured as a result of someone else’s negligence.
If you were a pedestrian who was hit in a car accident, contact the compassionate pedestrian accident attorneys at Munley Law for a free case evaluation.
Where Are Pedestrian Accidents Most Likely to Occur?
According to the Centers for Disease Control and Prevention (CDC), one in six people who died in car accidents in 2020 were pedestrians; this equates to more than 7,000 pedestrians killed in collisions in the year alone.
Of reporting pedestrian accidents, the CDC finds that pedestrians get hit the most in urban areas, on roadways away from intersections where drivers travel at higher speeds, […]
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Lancaster Medical Malpractice Lawyer
When you seek treatment from a healthcare provider in Lancaster, PA, you assume they will help you heal from injury and illness. You likely don’t imagine that a doctor will cause harm or that they will allow harm to befall you.
Unfortunately, healthcare providers can be negligent. If you or a loved one have struggled with injuries, illness, medical bills, and other such consequences because a medical professional was negligent, you may seek compensation by filing a medical malpractice claim or lawsuit.
Serving the area for 65 years, the Lancaster medical malpractice lawyers at Munley Law can review your case and fight for the compensation you deserve if you decide to take action. Learn more by contacting us today for a free consultation.
Understanding Medical Malpractice in Lancaster, PA
Medical malpractice occurs when a healthcare provider fails to provide a patient with the quality of care that a reasonable healthcare provider would generally offer in a given situation. […]
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Bensalem Product Liability Lawyer
Has a defective product injured you in Bensalem? Every year, faulty products like exploding pressure cookers, collapsing strollers, and malfunctioning power tools cause severe injuries to consumers. Even everyday household items can be dangerous –
from space heaters that catch fire to unstable furniture that tips over unexpectedly.
Medical devices aren’t immune, either. Defective pacemakers, failed joint replacements, and faulty insulin pumps have caused severe harm to patients. Problems with faulty automotive parts like faulty airbags, failing seatbelts, and defective tires have led to life-threatening vehicle accidents.
If you’ve been hurt by any defective product in Bensalem, don’t face this alone. Contact the Bensalem product liability attorneys at Munley Law for a free case evaluation. Our experienced team will help you understand your rights and fight for the compensation you deserve – whether your injury came from a faulty children’s toy, […]
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Lancaster Lyft Accident Lawyer
Rideshare crashes can and do happen in Lancaster, Pennsylvania. Although scheduling a ride with Lyft may be a safe option for getting from point A to point B, it’s important to be prepared in the event of a crash. You may be eligible for compensation via the rideshare company or another such party if you’re hurt in a Lancaster Lyft accident resulting from negligence.
Learn more by discussing your case with a Lyft accident attorney with experience handling Pennsylvania Lyft accident cases. At Munley Law, an accident attorney can review your case, discuss legal options, and provide representation to fight for the compensation that’s recoverable. Learn more about how we can help after a Lyft accident in Lancaster by contacting us today for a free consultation.
Understanding Lyft Accidents in Lancaster, PA
Statistics on Lyft and rideshare accidents in Pennsylvania are currently unavailable. […]
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Lancaster Uber Accident Lawyer
The path forward isn’t always clear when you’re hurt in an Uber accident in Lancaster. As an injured passenger, you may be dealing with medical bills, missed work, and the stress of recovery – all while trying to figure out who’s responsible for your injuries. At Munley Law, we’ve helped many Uber accident victims understand their rights and get the compensation they deserve, whether your Uber driver, another vehicle, or unsafe road conditions caused the accident. If you’re recovering from an Uber-related injury, let us handle your case while you focus on healing.
Understanding Uber Accidents in Lancaster, PA
As rideshare services like Uber become increasingly popular, the frequency of Uber accidents has risen — raising significant safety concerns. According to Uber’s U.S. Safety Report, Uber-related motor vehicle fatalities peaked at 153 in the 2021-2022 reporting period. Fatalities aside, […]
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Are Electric Scooters Legal In Pennsylvania?
Electric scooters, or e-scooters, have quickly become a popular mode of transportation on the roadways of many busy U.S. cities. They’re convenient, affordable, and an eco-friendly alternative to cars. Like e-bikes, companies like Lime and Bird provide low-speed e-scooter-sharing services in cities worldwide. But while electric scooters are legal in many other places, Pennsylvania has needed to catch up in getting on board.
Current Legal Status of Electric Scooters in Pennsylvania
Right now, Pennsylvania state law has strict rules regarding e-scooters. Pennsylvania has some hurdles, unlike some states, such as California, Texas, and Washington, where you can easily rent or own one and ride freely.
Pilot programs in some cities
Certain cities in Pennsylvania have started pilot programs to evaluate the potential impact of electric scooters, even though they still need to be fully legalized statewide. In places like Pittsburgh, companies can offer electric scooter rentals under strict rules and local laws that help city governments understand how scooters affect safety, […]
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Suing a Neighbor for an Injury on Their Property

Property owners are responsible for keeping the property they invite others into safe. If they fail to clear the space of hazards and someone gets hurt, the injured person has the right to sue the negligent property owners responsible for their injuries.
If you or your loved one were injured on a neighbor’s property, you have the right to file a premises liability lawsuit against their insurance company. An experienced premises liability attorney at Munley Law will guide you through the claims process and help you recover fair compensation for your injuries and losses. Call today for a free consultation.
If I’ve Been Injured at My Neighbor’s Home, Can I Sue?
The short answer is, yes, you can sue if you were injured at your neighbor’s home. However, you must be able to prove the four elements of negligence to have a valid premises liability claim. […]
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