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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Train Derailment Lawyer
The experience of a train derailment lawyer can be invaluable after what can be a terrifying and life-altering event. With the force and impact of a train accident, severe injuries, loss of life, and significant property damage aren’t uncommon. If you or someone important to you has been injured in a train derailment, medical bills, rehabilitation, and emotional trauma might be taking their toll. With everything you’re dealing with, you may not be sure what the next move is. Train derailment lawyers understand the complexity of train accident cases and are committed to helping you get the compensation you deserve so you can focus on healing and moving forward.
Whether you were a passenger on the train, a railroad employee, or a driver or passenger in a motor vehicle involved in the crash, you may be entitled to compensation for your injuries and/or the death of your loved one. […]
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What Percentage of Work Zone Related Accidents Involve Large Trucks?
When you drive by a work zone on a main road or highway, you’ll likely see several large trucks on your route: dump trucks, garbage
trucks, heavy trucks, oversized trucks, tractor trailers, and more. Construction workers use these large vehicles to pave roads, fix potholes, and even build new parts of the highway. While these massive motor vehicles are essential to construction work, they are inherently dangerous and can cause devastating harm to passenger vehicle drivers on the road.
We’re going to talk about the statistics on large trucks, work zone accidents, fatal crashes, how to avoid an accident, and what to do if you’ve been in an accident with a large commercial truck in a work zone.
If you have more questions, the Munley Law truck accident lawyers are standing by. We offer a free consultation where we will discuss your story, offer expert legal advice, […]
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West Virginia Car Accident Lawyer
Across the nation, car accidents are an all too common cause of death, injury, and extensive emotional and psychological
damage. In 2019, West Virginia saw 260 fatalities from car accidents, and in 2015, car accidents caused around 8% of all injury-related hospitalizations in the state. Too many lives have been impacted and lost as a result of car accidents.
If you or a loved one has been a victim of a car accident in West Virginia, know that you do not have to fight this battle alone. The aftermath of an accident can be even more stressful and overwhelming than the accident itself, especially as you try to balance your recovery with all the complex logistics and legalities of your situation. But there is hope: with the help of an experienced car accident lawyer, you can take on your case with confidence. […]
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Can I Sue My Neighbor for an Injury on Their Property?
When you’ve been injured on a neighbor’s property, you might feel confused, upset, and unsure about what to do next.
You may wonder about your options if you’ve suffered an injury while visiting next door. The short answer is yes, you can sue your neighbor for an injury on their property, but there’s more to consider before taking that step.
When an injury occurs on a neighbor’s property, the question of legal recourse often arises. The ability to sue a neighbor for such an injury depends on several factors and involves understanding premises liability law. Call a premises liability lawyer at Munley Law for a free consultation to review your legal options.
Why You Might Sue Your Neighbor for an Injury on Their Property
While suing a neighbor can be a difficult decision, there are several legitimate reasons why you might need to take this step if you’re injured on their property:
- Medical Expenses: If you’ve incurred significant medical bills due to the injury, […]
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My Airbag Didn’t Go Off in a Car Accident. Can I Sue?
Being in a car accident can be scary, especially when the safety features of your vehicle do not work the way they are supposed to. But what happens when you were in a car accident and your airbags didn’t go off and you suffered injuries. Can you sue?
In general, yes you can sue if your airbags didn’t deploy during a car accident. However, who you can sue depends on a variety of factors.
Munley Law Will Determine Why Your Airbags Did Not Deploy in a Car Accident
In 1998, the Intermodal Surface Transportation Efficiency Act of 1991 went into effect, requiring that all cars and light trucks sold in the United States to have air bags on both sides of the front seat.
Since then, all drivers have come to expect that when they are involved in a motor vehicle accident, […]
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Fatal Rollover Car Accident in Upper Macungie, PA
A 66-year-old man was killed in a car accident recently in Lehigh County, Pennsylvania. The incident occurred in Upper Macungie at approximately 10 p.m. when the driver strayed from the road on Tilghman Street (ABC News).
Investigators determined that the driver’s off-roading vehicle continued into an embankment, causing it to flip over. The impact of the rollover accident caused the victim to be thrown out of his car. Another vehicle was involved, but there were no injuries.
Emergency service responders declared the victim dead at 10.37 p.m. at the scene of the accident. The Lehigh County Coroner’s Office determined that the cause of death was an accident due to numerous blunt force injuries from the car accident (NBC News).
The Allentown car accident lawyers at Munley Law extend our deepest sympathies to everyone impacted by this accident. […]
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Tamaqua Personal Injury Lawyer
If a car accident, workplace injury, truck accident, medical negligence, or other catastrophic injury has left you with medical bills and lost wages. In that case, you need a personal injury law firm with experience. The Tamaqua personal
injury lawyers of Munley Law have decades of experience helping Schuylkill County residents with their most complex injury claims.
If you or a loved one were hurt in an accident and need legal advice, contact the Munley Law firm. We take on the insurance companies to ensure you get fair compensation for your injuries. Call the Tamaqua personal injury attorneys today.
Helping People in Schuylkill County and Beyond
Getting into an accident can cause physical, emotional, and financial hardships for the victim and their family. In some cases, these injuries can lead to long periods away from work, and in some cases, […]
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Can I Still Pursue Compensation If I Was Partially At-Fault for My Injuries?
The insurance system can be overwhelming after a car accident, especially when you are healing from injuries. As a no-fault state, Pennsylvania insurance policies generally make it a little easier to get your medical bills covered quickly regardless of who may have been at fault.
However, seeking compensation from another driver for injuries and damages can be complicated, depending on your insurance policy and the percentage of negligence you are responsible for. Partnering with an experienced car accident attorney will help you manage your claim and recover the most compensation available for you.
When Can I Seek Compensation from Another Driver?

When you can seek compensation from another driver depends on what kind of compensation you are seeking. In general, Pennsylvania’s no-fault system means that the average insurance policy does not allow you to seek compensation for medical bills or personal injuries sustained in an accident. […]
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What Is the Average Time for a Car Accident Settlement?
How Long Does a Car Accident Settlement Take?
After a car crash, you want to put it behind you, including the settlement. You may be asking “What is the average time for a car accident settlement?” However, every car accident is different, which is why there is no average time for a car accident settlement. Especially when you’re waiting for an insurance company to pay up.
The timeline for an auto accident settlement process depends on the facts of the case, the insurance companies included, and the severity of your injuries.
Typically, the settlement process can take weeks to months, and in some severe cases, years. Don’t go it alone. A car accident attorney can help you through the process.
Remember, a settlement and a lawsuit are two different things. A fair settlement is reached before a court case or even during one. […]
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New York Car Accident Lawyer
Work with an Experienced New York Car Accident Attorney
In New York state, there are an average of 1,098 traffic accident related deaths every year; in fact, car accidents are the leading cause of injury-related death for New Yorkers. Beyond that, more than 12,000 New Yorkers are hospitalized annually for injuries from traffic accidents; this means that 61.5 out of every 100,000 people in the state are hospitalized for this reason each year. Car accidents are a harrowing experience for anyone involved, and PTSD is a common result of experiencing a serious accident. The physical, mental, emotional, and financial toll of a car accident cannot be overstated.
The good news, however, is that you don’t have to go it alone. If you or a loved one has been in a car accident in New York, you may be overwhelmed by an endless stream of questions: Will my insurance cover this? […]
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Can a Passenger Sue Both Drivers?
Filing a Claim as a Passenger in a Car Accident
If you have been injured in a car accident, you probably have a lot of questions about your car accident case, and depending on the incident, one of them may be, “Can a passenger sue both drivers?”
When a car accident takes place, an investigation will occur to determine who is at fault. Insurance companies will review the data and police report and come to a determination. Sometimes, it is a single driver who is found to be negligent and at fault; perhaps they were driving drunk or made a reckless decision.
Let an experienced motor vehicle accident injury lawyer at Munley Law help answer your questions today with a free consultation.
When Multiple Drivers are Involved in a Collision
Other times, […]
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Hospital Negligence Lawyer
Whether you’ve been hurt in an accident, are receiving specialized treatment, or are sick, being in a hospital can be a stressful experience. We trust medical professionals to provide the best standard of care, yet hospital negligence
happens. Be it inadequate hospital staff, rushed doctors, or unsanitary conditions, if your hospital stay ends in more issues, you deserve justice. That’s where the hospital negligence lawyers of Munley Law come in.
For decades, our medical malpractice attorneys have fought for the fair treatment of the sick and injured. Allow our experienced attorneys to review your case and get you the compensation you deserve.
Call the hospital negligence lawyers of Munley Law today for a no-obligation, free consultation.
What Is Hospital Negligence?
Hospital negligence is a form of medical malpractice where a hospital employee–a nurse, doctor, […]
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York Slip And Fall Lawyer
Accidents can happen when we least expect them, even in an idyllic setting such as York, PA. One of the most common types of accidents is a slip and fall incident — not only can this type of accident come as a such, it can also lead to serious injuries.
The consequences of a slip and fall can be physically, emotionally, and financially devastating. Whether you’ve slipped and fallen on a wet floor in a store, an icy sidewalk, or a poorly maintained property, it’s essential to know your rights and seek the guidance of a dedicated York slip and fall attorney. Working with a premises liability attorney can increase your changes of securing financial compensation, and can also make an overwhelming process that much more manageable.
Don’t hesitate to contact us today to schedule a free consultation with an experienced slip and fall lawyer, […]
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Bensalem Pedestrian Accident Lawyer
Bensalem, rooted in Pennsylvania’s deep historical legacy and highlighted by landmarks like the Parx Casino and Penn Community Bank Amphitheater, has a unique blend of bustling urban life and respected cultural heritage. Yet, amidst its vibrant streets, pedestrian accidents do occur, changing the lives of victims and their families.
In such challenging times, a Bensalem, Pennsylvania pedestrian accident lawyer becomes crucial, offering expert guidance through the complex legal terrain of pedestrian injuries while having an understanding of Bensalem’s bustling intersections.
Why You Need a Bensalem Personal Injury Attorney
In Bensalem, pedestrian accidents, while unfortunate, are a stark reality. According to the National Highway Traffic Safety Administration (NHTSA), in 2022 “while fatalities overall declined, fatalities amongst cyclists and pedestrians continued to rise.” Pedestrian accidents often involve complex factors such as negligent drivers, pedestrian behavior, road conditions, and traffic signals. Given the intricacies, […]
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Bensalem Catastrophic Injury Lawyer
The journey towards securing justice and fair compensation after a catastrophic injury is both distinctive and challenging, which is why it is in your best interest to partner with the Bensalem catastrophic injury lawyers at Munley Law. We offer a free case evaluation to new clients where you will speak with an experienced catastrophic injury attorney who will guide you through the legal process and work to ensure you recover the compensation you deserve.
Understanding the Nature of a Catastrophic Injury
When it comes to personal injuries, not all are created equal. Some are so severe that they drastically change the course of a person’s life, which brings us to the realm of catastrophic injuries.
Definition and explanation of a catastrophic injury
A catastrophic injury typically refers to injuries that have life-altering consequences and prevent individuals from performing any gainful work. […]
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Can Medical Malpractice Cause a Stroke?
Understanding Strokes: Types, Causes, Treatments, and Medical Malpractice
Strokes are critical medical emergencies that require swift and accurate treatment to avoid lasting damage. We will examine various stroke types, their causes, available treatments, and the impact of medical malpractice.
Types of Strokes
Delays in treatment can result in permanent disability or death. Stroke symptoms are not unique and can mimic other health issues, leading to potential misdiagnosis of stroke. Common signs of a stroke include:
- Weakness or numbness, particularly on one side of the body
- Paralysis
- Tingling in the arms or legs
- Sudden loss of leg strength
- Severe headache
- Loss of balance or coordination
- Slurred speech
- Inability to speak or understand speech
- Vision changes, such as blurred or double vision
- Dizziness
- Fainting
- Loss of vision
- Death
Strokes can vary in severity from mild to life-threatening, […]
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Munley Law Lawyers Named to 2025 Best Lawyers in America® List
Munley Law is pleased to announce that all ten personal injury lawyers have been included in the 2025 Edition of The Best Lawyers in America®.
The following lawyers were named 2025 Best Lawyers in America® in the following practice areas:
- Marion Munley – Medical Malpractice Law – Plaintiffs, Personal Injury Litigation – Plaintiffs, and Product Liability Litigation – Plaintiffs
- Daniel W. Munley – Medical Malpractice Law – Plaintiffs, Personal Injury Litigation – Plaintiffs, and Product Liability Litigation – Plaintiffs
- James Christopher Munley – Medical Malpractice Law – Plaintiffs, Personal Injury Litigation – Plaintiffs, Product Liability Litigation – Plaintiffs, and Workers’ Compensation Law – Claimants
- Caroline Munley – Medical Malpractice Law – Plaintiffs, Personal Injury Litigation – Plaintiffs, Product Liability Litigation – Plaintiffs, and Workers’ Compensation Law – Claimants
- Robert W. Munley III – Personal Injury Litigation – […]
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Spine Injury from a Car Accident
Car accidents can result in devastating outcomes, with spinal injuries being among the most severe. Understanding the different types of spinal injuries, recognizing their common symptoms, and being aware of treatment options and potential compensation can help accident victims deal with these challenging circumstances. This blog provides essential information about spinal cord injuries that can occur from vehicle collisions.
Impacts of a Spinal Cord Injury from a Car Accident
Victims of motor vehicle accidents often face immediate physical and mental health challenges, with long-term effects that can drastically reduce their quality of life. Unfortunately, many accident victims may have to endure chronic pain due to spinal cord damage, nerve pain, or degenerative conditions for the rest of their lives. The moments immediately following a car crash are critical for the victim, as timely medical attention can significantly impact recovery.
Common injuries, […]
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How Long After a Car Accident Can You Sue in Pennsylvania?
In Pennsylvania, you generally have two years to file a lawsuit if you’re involved in a car accident and considering seeking damages. This means that after two years, you may lose the right to sue for your car accident case, so acting
within this period is essential to make sure your case is heard.
At Munley Law Personal Injury Attorneys, we specialize in personal injury cases, including those resulting from car accidents. Our seasoned car accident attorneys are adept at handling these tough cases and work hard to get you the compensation and justice you deserve.
Munley Law provides comprehensive support, guiding you through every step of the legal process to make it more understandable and less overwhelming. Our expertise and dedication help accident victims confidently face the legal system, ensuring their rights are protected, and their voices are heard.
What Is the Statute of Limitations on Car Accident Lawsuits in Pennsylvania? […]
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Chambersburg Personal Injury Lawyer
Have you or a loved one suffered an injury in Chambersburg, PA? Facing the recovery from an injury can be
overwhelming, but you don’t have to face it alone. Turn to Munley Law, where our team of Chambersburg personal injury attorneys is ready to fight to ensure that those responsible for your injuries, pain and suffering are held accountable. Our expert attorneys specialize in every field of personal injury law, including car accidents, truck accidents, construction accidents, workers’ compensation claims, motorcycle accidents, and more.
Let Munley Law protect your rights and pursue the justice and compensation you deserve. Contact our Chambersburg team today to discover how our experience and commitment can make a difference in your case.
Why Should I Hire a Personal Injury Lawyer After an Accident in Chambersburg?
A personal injury lawyer can help you get the maximum compensation for your personal injury claim. […]
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