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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CHESTER COUNTY — Tree Smashes Car Along PA Route 52
PENNSBURY TOWNSHIP, PA (April 8, 2025) —— A tree abruptly came crashing down on a driver’s SUV on Monday, April 7 along Pennsylvania Route 52.
The tree abruptly crashed on the back of the SUV on Monday morning, while traffic was stopped on Lenape Road before East Street Road in Pennsbury Township.
The driver who was inside the car sustained injuries from the tree falling. She was transported to a hospital for treatment. Her car was taken to the impound lot, as it was completely destroyed by the tree.
PennDOT placed a damaged sign on the northbound lane shoulder. There has been no update on any tree maintenance.
Legal Options After a Tree Falls on Your Car in Pennsylvania
When a tree falls on your car while driving on a Pennsylvania highway, you’re suddenly faced with property damage, possible injuries, […]
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Full Tort vs Full Coverage Insurance in PA: What’s the Difference?
Full tort and full coverage insurance are two distinct concepts in Pennsylvania’s auto insurance system. While it’s easy to confuse the two, a lack of clarity about your insurance coverage can lead to a rude awakening after a car accident.
Pennsylvania’s choice no-fault car insurance system gives drivers important options that directly affect their rights to compensation following a collision. While full tort insurance preserves your legal rights to pursue all damages including pain and suffering, full coverage refers to a package of protections that may or may not include a full tort selection. Understanding these differences before purchasing a car insurance policy can save you from discovering limitations too late.
Pennsylvania Auto Insurance Options
Pennsylvania operates under a unique insurance framework that combines elements of both fault and no-fault systems. Unlike traditional no-fault states, Pennsylvania offers drivers a choice in how their insurance will function after an accident. […]
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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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UNION COUNTY — Truck Crashes into Home in West Milton
WEST MILTON, PA (April 3, 2025) —— A tractor trailer crashed through a home in Union County on the morning of Thursday, April 3.
A flooring truck went through the side of a home along Broad Street in West Milton. Emergency crews were dispatched around 9:40 a.m.
The home was severely damaged and crews are currently working to remove the truck.
The cause of the wreck remains unknown, and there is no word on whether anyone was injured.
Investigations continue.
Car Accidents with Homes in Union County
When a car crashes into a residential property in Pennsylvania, determining liability is crucial. Several parties may be responsible:
- The driver: Most commonly, the driver who crashed into the home bears primary responsibility. Causes may include distracted driving, driving under the influence, medical emergencies, or loss of vehicle control. […]
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LACKAWANNA, PA — Truck Driver Hospitalized After Dump Truck Rollover Accident
LACKAWANNA COUNTY, PA (April 2, 2025) —— A dump truck carrying topsoil rolled over on the morning of Wednesday, March 2.
The truck rolled near the Moosic exit on I-81 North, shutting down roads. The driver was taken to the hospital.
All roads have been reopened. This story continues to develop.
Rollover Dump Truck Accidents in Lackawanna County, Pennsylvania: Legal Steps
Dump truck rollovers represent one of the most devastating commercial vehicle accidents on Pennsylvania roads. These incidents often result from improper loading, excessive speed on curves, steep grades, or equipment failure. When these massive vehicles overturn, they can cause catastrophic injuries, property damage, and even fatalities.
If you’ve been affected by a dump truck rollover accident in Pennsylvania, consider these important legal steps:
- Seek immediate medical attention, even for seemingly minor injuries
- Document the accident scene with photos and gather witness information
- Report the accident to law enforcement and obtain a copy of the police report
- Avoid giving recorded statements to insurance companies before consulting an attorney
- Preserve evidence including medical records and communication with insurers
- Contact an experienced truck accident attorney familiar with Pennsylvania’s commercial vehicle laws
Pennsylvania follows modified comparative negligence rules, […]
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