What Does it Mean When You Stack Your Auto Insurance Policies?

Understanding Stacked Car Insurance

It is estimated that 12.6 percent of motorists on the road in 2019 were driving without car insurance. That equals to approximately one in eight drivers are behind the wheel without insurance. Not only is this illegal and dangerous, but getting into an accident can be costly to all involved. 

If you get into a severe car accident in Pennsylvania with an uninsured motorist, your first concern may be how will you pay for your medical expenses. Will you be stuck with the bill? 

Fortunately, there are provisions in your insurance policy that will pay for any of the injuries you may receive. And if your underinsured and uninsured motorist coverage is stacked, then you won’t have to worry about paying for the large medical bills.

But what is stacked insurance? […]

What Happens If You Hit a Cyclist with Your Car?

Hit a Cyclist, or Injured in a Bicycle Accident? We Can Help.

Car accidents involving an injured cyclist can be the worst experience anyone can have. If you’re asking yourself “What happens if you hit a cyclist with your car?” an experienced bicycle accident and car accident lawyer can help.

You may feel guilty, upset, and anxious about what happens afterward. Can the cyclist sue you for the accident? What will happen to your insurance rates? What happens next?

These are all valid concerns to have before, during, and after your time on the accident scene. Even if you were injured in the bicycle accident as well, you may be stressing over what can happen. That’s why it’s important to know what your next steps should be to protect yourself and your claim.

For over 60 years, Munley Law has been helping bicycle accident and car accident victims alike with their personal injury claims. […]

Can I Sue After a Car Accident If I Was Not Hurt?

Can You Sue Someone for A Car Accident If You Are Not Hurt?

Yes, you can absolutely sue after a car accident even if you are not injured. Most likely, your course of action after this kind of a collision will be to file a property damage suit. Your vehicle can still be severely damaged even if you thankfully were able to avoid getting hurt, and the cost of repairing that damage can be immense. Whether your car is beyond repair and you have to purchase a new vehicle all together, or if it has been impacted such that the cost of repair is overwhelming, you have the right to pursue legal action.

Even if you suffered no physical injuries during an accident caused by the negligence of another driver, you could still recover property damages. You may also have to file a lawsuit seeking compensation for your lost property value but without legal fees. […]

Can I Sue After a Rear End Collision?

Hire an Experienced Car Accident Attorney to Help After Rear End Accident

Rear end collisions are unfortunately a fairly common part of driving; in fact, the Washington Post reported that there are approximately 1.7 million rear end collisions on U.S. roadways each year. What’s more, the Pennsylvania Department of Transportation reported in 2019 that almost 30% of car accidents in the state were rear-end collisions. But while these accidents are common, they still need to be taken seriously. Grave injury and extensive damage are both possible results of a rear-end accident, and if you’ve experienced an accident of this nature, you will want a trusted car accident lawyer to guide you through the process of receiving proper compensation.

After an accident, it’s possible that one party may reach out to the other with an initial settlement offer. For instance, if you have been rear-ended, […]

What is the Coming and Going Rule in Workers’ Comp?

Workers’ Comp Coming and Going Rule: How it Affects Your Claim

Workers’ compensation is insurance that provides financial aid to employees to cover the medical expenses and lost wages due to work-related illnesses, diseases, and injuries. The Pennsylvania Workmen’s (Workers’) Compensation Act was enacted in 1915 and is mandatory for most employers across the state. The insurance is meant to benefit both the employee and the employer, protecting the employee in cases of illness and injury on the job, and the employer from being sued for such cases. Compensation is roughly 66% of the employee’s average weekly wage.

There is an exception, however, to workers’ comp. It’s called the Going and Coming Rule. 

What is the Going and Coming Rule?

According to DMV.ORG, the Going and Coming Rule is when an employee gets into an accident and/or is injured commuting either to or from work. […]