What Happens If You Sue Your Own Insurance Company

Accidents leave more than physical pain. They bring deep frustration when your own insurance company refuses to honor your claim, leaving you to wonder about your legal options. 

Understanding what happens if you sue your own insurance company starts with whether the insurer acted in bad faith, such as denying a valid claim or offering far less than your losses deserve. In Pennsylvania, policyholders can take legal action when insurers fail to meet their obligations through unfair denials, payment delays, or low settlement offers.

You may also need to sue your own insurer if your policy includes uninsured or underinsured motorist coverage and the at-fault driver lacks sufficient insurance. Because these cases involve complex steps like discovery, depositions, and possible trial, consult an Allentown Car Accident Lawyer at Munley Law to protect your rights

Can I Take Legal Action Against My Insurance Company After a Car Accident? […]

Car Accident Aggravated Pre-Existing Condition Settlement

Car accidents shatter lives in seconds, but for those already living with medical conditions, the consequences can be catastrophic. When a crash makes an existing problem worse, the law allows victims to pursue a car accident aggravated pre-existing condition settlement to cover the additional pain, treatment, and financial strain. At Munley Law, our role as an Allentown car accident lawyer is to show exactly how the accident intensified your condition and to fight for compensation that reflects your full losses.

Defining Pre-Existing Conditions in Accident Claims

A pre-existing condition is any medical problem or injury a person had before the crash. In car accident cases, this often includes arthritis, prior fractures, degenerative disc disease, or other long-term health issues that can be made worse by the impact of a collision.

Insurance companies often highlight these conditions to minimize payouts, arguing the accident did not cause “new” injuries. […]

Drowsy Driving Accidents in Binghamton, NY

When a drowsy driver causes a serious crash, you need a Binghamton car accident lawyer who understands how these cases unfold and how to protect your rights from the outset. For over 65 years, Munley Law has been trusted by injured drivers and families throughout Broome County, and our firm is consistently recognized as the top law firm for serious accident litigation in the Southern Tier and beyond.

Our award-winning car crash attorneys bring national credentials to every case, and have been repeatedly named among the Best Law Firms in America by Best Lawyers. We have also secured over $1 billion in personal injury settlements and verdicts, including significant results for clients harmed by drowsy drivers.

Between the heavy commercial traffic on Interstate 81, the large student population at SUNY Binghamton, and numerous shift workers at local hospitals and manufacturing facilities, our region sees a higher-than-average rate of drowsy driving incidents. […]

Is It Illegal To Drive Without Insurance?

Is it illegal to drive without insurance in Pennsylvania? Yes. Every driver must carry financial responsibility, maintaining liability coverage and medical benefits. Failing to do so can result in serious consequences, including at least a $300 fine, suspension of both your license and vehicle registration, and costly restoration fees. Beyond these penalties, driving uninsured exposes you to devastating financial risks after a crash. In Allentown, our community depends on safe, insured roadways, and when that responsibility is ignored, the impact can be life-changing. At Munley Law, our Allentown car accident lawyer takes on the burden uninsured drivers leave behind, holding them accountable and pursuing every avenue to restore stability for car accident victims in Allentown.

Penalties For Driving Without Car Insurance In Pennsylvania

The Pennsylvania Department of Transportation outlines that being stopped and found without the legally required liability insurance carries serious consequences. […]

Comparative and Contributory Negligence: Pennsylvania vs. Maryland Laws

What happens if you are in an accident right on the PA-MD border? If you have been involved in a serious car accident on Route 15, one of the first things you might look for is which side of the Welcome to Maryland and Welcome to Pennsylvania signs you are on. For drivers along this busy corridor, you need to understand which state’s laws apply to your personal injury claim.

The law of the state where the accident occurred will govern the case and can dramatically impact the compensation you receive. If you are pursuing a personal injury claim, you need to understand the difference between comparative negligence vs. contributory negligence and how Pennsylvania vs. Maryland laws change how fault and damages will apply to your claim. If your accident occurred in Pennsylvania, learn how our car accident lawyers can help.

What’s the Difference: Comparative Negligence vs. […]

How does comparative negligence work in PA car accidents?

How does comparative negligence work in PA car accidents? In Pennsylvania, it means your financial recovery depends on your share of fault compared to the other driver. If you are less than 51% responsible, you can still seek damages, but your percentage of blame reduces the amount.

Your Pennsylvania car accident lawyer at Munley Law can explain how these rules apply to your crash and what evidence matters most for protecting your claim.

What Is Comparative Negligence?

In Pennsylvania, comparative negligence is a rule that determines how to allocate blame and compensation when more than one person shares fault for a crash. Instead of placing all the blame on one driver, it allows the responsibility to be divided based on what each person did or failed to do. This model allows you to collect compensation, even if you hold some responsibility for the accident. […]

What is Vicarious Liability?

What is vicarious liability? This question arises frequently in Pennsylvania personal injury claims, especially in car accident cases where an employer may be responsible for a driver’s actions. Vicarious liability is a principle that can determine whether an employer, business, or other entity may be held legally responsible for another person’s actions.

If you have been injured and want to know whether more than one party could be accountable, an experienced car accident lawyer can provide valuable guidance. At Munley Law, our attorneys have spent 65 years addressing cases where vicarious liability is a deciding factor in securing compensation.

What Does Vicarious Liability Mean?

Vicarious liability is a legal principle that holds one party accountable for the wrongful acts of another. A common example is an employer being held responsible for the actions of an employee while the employee is performing job-related duties. […]

What Is PIP Insurance in Binghamton, NY?

When coverage falls short after an accident or a hit-and-run driver leaves you with enormous bills, you need a Binghamton car accident lawyer who understands New York’s insurance system and can help you to secure compensation. Personal injury protection insurance (PIP) will pay for your basic economic losses, regardless of who was at fault, and additional safety nets, like MVAIC, may also help with serious accidents involving uninsured drivers. However, these systems can feel overwhelming, especially when adjusters aim to limit payouts.

That’s why at Munley Law, we front all case costs from day one, retain respected expert witnesses, and conduct comprehensive investigations to establish fault, calculate full damages, and challenge any attempt to undervalue your claim. One of our partners was named a Top 25 Motor Vehicle Trial Lawyer in the region, and our personal injury attorneys have over 250 years of combined experience in complex vehicle accident and insurance claims. […]

What are the hidden injuries after a car accident?

Certain injuries can take longer to present, especially after a crash that seemed minor at first. Questions like what are the hidden injuries after a car accident often come up when pain or dizziness start days later. Your car accident lawyer at Munley Law can help you figure out whether your new symptoms are related and what steps to take if things are getting worse.

Car Accident Injuries That May Go Undetected at First

Some conditions do not leave obvious marks after a crash. These can present slowly, often due to adrenaline masking, stress, or fatigue, and only start to interfere once your daily life is already significantly affected. These are some of the hidden injuries that might fall under Pennsylvania’s two-year deadline to file a personal injury claim, as outlined in 42 Pa. C.S. § 5524.

Traumatic Brain Injuries (TBI) and Brain Swelling

Brain injuries can develop gradually after head trauma, […]

Guide to Maximizing Your Car Accident Settlement

It’s crucial to meet with a car accident lawyer after you get into an auto collision. Your attorney will want you to treat your injuries and take care of yourself. Meanwhile, they can gather evidence and represent you in settlement negotiations with a liable party’s insurance company. If warranted, your lawyer can take your case in front of a judge or jury to help you recover what you need.

In addition to speaking with someone from our team at Munley Law, there are several things you can do. In this guide to maximizing your car accident settlement, we walk you through each step.

Follow These Steps to Get More Money from a Car Accident Settlement

Look for a top car accident lawyer to get maximum compensation from anyone liable for your auto crash. Choose an attorney who has helped past clients get outstanding verdicts and settlements in car collision cases. […]

Safest and Most Dangerous States to Drive

Labor Day Second-Most People Killed in Motor Vehicle Accidents Behind Only July 4th

An estimated 39,345 Americans were killed in traffic accidents in 2024, and according to the Centers for Disease Control and Prevention (CDC), accidents (of all kinds) are the third leading cause of death in America.

Motor vehicle accidents rise sharply during the summer months due to increased traffic and alcohol consumption as Americans take vacations. This helps explain why more people are killed in motor vehicle accidents on Labor Day than any other day, with the exception of July 4.

The latest data from the National Highway Traffic Safety Administration (NHTSA) shows that 511 people were killed in motor vehicle accidents during the 2023 Labor Day holiday period, up from 496 the previous year. Of these 511 people, 185 (36%) were killed in crashes that involved at least one person driving drunk and 62% of those impaired drivers clocking blood alcohol levels nearly double the legal limit (BAC .15+). […]

Should I Get Out of My Car Following a Car Crash

Should you stay in your car after an accident? This might not be the question you ever expected to ask yourself. However, because accidents can result from the negligence of others, it’s an important consideration.

Experiencing a car crash can be shocking and frightening. You might feel a rush of emotions: fear, confusion, or even disbelief.

If you ever find yourself in this situation, knowing what steps to take next is helpful. Taking the proper steps in the aftermath of a car accident can play a significant role in your immediate safety.

Knowing whether to get out of your vehicle after an auto accident can also influence potential compensation if you file a claim or lawsuit. What you do at the accident scene can have ripple effects that impact settlement negotiations and the potential value of your claim.

Should You Stay in Your Car After an Accident, […]

What to Do If Your Child Is Injured in a Car Accident

Car accidents involving children are among the most frightening experiences a parent can face. When your child is in a car accident, the stakes are higher than in typical collisions due to children’s vulnerability and their limited ability to communicate pain or discomfort. Understanding your legal options and next steps is essential when your child is injured in a car accident.

If your child was injured in a car accident, our Pennsylvania car accident lawyers are here to help. Contact us today to schedule a free consultation.

Immediate Response: First 30 Minutes at the Scene

The first thirty minutes after a car accident with your child are critical. You need to be aware that your response during this time significantly impacts both your child’s recovery and any future legal proceedings.

First, ensure the scene is safe before examining anyone. […]

Jim Thorpe Car Accident Lawyer

A car accident in Jim Thorpe can turn your life upside down in seconds. Between mounting medical bills, missed work, vehicle damage, and physical pain, the aftermath of a crash is overwhelming, especially when you are trying to figure out who is responsible and what your options are. The car accident lawyers at Munley Law have spent more than 65 years helping crash victims across Carbon County and throughout Pennsylvania get the full compensation they deserve. We have recovered millions of dollars for injured clients, and we offer free consultations with no obligation. You pay nothing unless we win your case. Contact our car crash lawyers today for a free consultation.

Car Accident Statistics in Pennsylvania

Car accidents are far more common in Pennsylvania than most people realize. According to Pennsylvania Department of Transportation (PennDOT) data, there were 115,938 reported crashes in the state in 2022 alone — an average of more than 317 crashes every single day. […]

What You Need to Know About Paul Miller’s Law

On June 5, 2025, Pennsylvania joined 29 other states in implementing a comprehensive ban on handheld device use while driving. Known as “Paul Miller’s Law,” this sweeping legislation doesn’t just prohibit texting while driving – it bans holding any electronic device while behind the wheel, even when stopped in traffic. For Pennsylvania drivers, this represents the most significant change to traffic laws in over a decade and a step toward making our roads safer for everyone.

Whether you’re adjusting to the new law or have been injured by someone who violated it, understanding your rights and responsibilities under Paul Miller’s Law is essential. If you were involved in a car accident with a distracted driver, contact the Pennsylvania car accident lawyers at Munley Law to schedule a free consultation.

The Story Behind the Distracted Driving Ban

Paul Miller’s Law is named in memory of a 21-year-old Scranton man named Paul Miller Jr., […]

Whose Insurance Pays For a Multi-Vehicle Accident in Pennsylvania?

After a multi-car crash, everyone wants to know the same thing: who’s going to pay for the damage and injuries? In Pennsylvania, the answer isn’t always straightforward, but here’s what you need to know.

Pennsylvania uses a “no-fault” system, which means your own car insurance handles your immediate medical bills and lost wages, regardless of who caused the accident. This happens through your Personal Injury Protection (PIP) coverage, so you can get treatment right away instead of waiting months for fault to be determined.

While your insurance covers initial expenses, multiple insurance companies will investigate to figure out who’s actually responsible and for how much. In multi-vehicle accidents, fault is often divided among several drivers, and each insurance company will attempt to minimize the amount it has to pay.

Why Multi-Vehicle Accidents Are Different

Unlike simple two-car accidents, crashes involving multiple vehicles create a web of responsibility. […]

Why Are Left Turns So Deadly in Car Accidents?

Every day, millions of drivers navigate intersections across the United States, making countless left turns that seem routine and harmless. However, beneath this everyday maneuver lies a startling statistical reality: left turns are among the most dangerous driving actions a person can take. In fact, left turns are considered one of the most dangerous maneuvers on the road. Studies show that left turns are one of the leading causes of intersection-related car accidents. Understanding why left turns pose such significant risks can help drivers make safer choices and help accident victims understand the factors that contribute to these devastating crashes.

The danger of left turns extends far beyond simple statistics. These accidents, especially those involving left hand turns, often result in severe injuries, fatalities, and difficult legal battles over liability and compensation. For personal injury attorneys and their clients, left-turn accidents represent some of the most challenging cases due to several factors involved and the serious nature of the injuries typically sustained. […]

What Is Negligent Entrustment?

When you lend your car to someone who causes an accident, you might be held responsible for the damages. This legal principle is called negligent entrustment, and it can leave vehicle owners facing serious liability even when they weren’t behind the wheel.

Understanding Negligent Entrustment

Negligent entrustment holds vehicle owners responsible when they knowingly lend their car to someone who is unfit, inexperienced, or dangerous. The law recognizes that cars are potentially dangerous, and owners have a duty to make smart decisions about who drives them.

For a negligent entrustment claim to succeed, the injured party must prove:

• The owner entrusted their vehicle to another person – This includes giving explicit permission or allowing someone to drive through implied consent.
• The driver was unfit to operate the vehicle safely – This could mean they were inexperienced, reckless, […]

How to Prove a Distracted Driver Caused Your Car Crash

Every year, thousands of lives are changed when drivers take their attention off the road. Whether it’s a glance at a text message or a moment spent adjusting the radio, these seemingly minor distractions can lead to devastating accidents. At Munley Law, we’ve seen firsthand how these split-second decisions impact families across Pennsylvania.

Proving that another driver’s distraction caused your accident isn’t always straightforward. While you might know the other driver was texting or eating behind the wheel, establishing this fact legally requires specific evidence and careful documentation. 

If you’ve been injured in an accident caused by a distracted driver, call the experienced car accident attorneys at Munley Law. We understand what it takes to build a strong case. Contact us today for a free consultation, and let us help you get the compensation you deserve for your injuries and damages. […]

Lebanon PA Car Accident Lawyer

Protecting Your Rights After a Car Accident in Lebanon PA

Car accidents can change lives in an instant, leaving victims with injuries, medical bills, lost wages, and lasting pain. If you were hurt in a car crash, you need a skilled Lebanon, PA, car accident lawyer handling your case. The experienced legal team at Munley Law is here to fight for full compensation and protect your legal rights.

At Munley Law, our car accident lawyers have decades of proven experience helping victims across Pennsylvania. Whether your car accident took place along Route 422, near downtown Lebanon, or on a quiet county road, we know what it takes to build a strong personal injury case. Our team fights to recover damages for all of your losses. Contact us today for a free consultation about your case.

Do I Need a Car Accident Lawyer? […]