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Insurance

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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Harrisburg Pedestrian Accident Lawyer

Experiencing a pedestrian accident is devastating for you or your loved one. The aftermath can be overwhelming as you deal with physical injuries, emotional trauma and financial burdens. The last thing you should worry about is how you can afford your recovery, which is why hiring an experienced lawyer is not just a choice but a necessity. Munley Law is the best choice for injury victims in Harrisburg, Pennsylvania.

Harrisburg Pedestrian Accident LawyerThe capital city of Pennsylvania, Harrisburg is known for its vibrant arts scene, iconic landmarks like the State Capitol Complex, and the Susquehanna River’s picturesque beauty. The city’s blend of history and modernity is reflected in its legal practices as well. Munley Law is a team of dedicated Harrisburg pedestrian accident lawyers who offer top-notch legal services rooted in continued growth and existing precedents.

With a proven track record in handling pedestrian and car accident cases, […]

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Harrisburg Motorcycle Accident Lawyer

A Harrisburg motorcycle accident lawyer at Munley Law understands the devastating impact a crash can have on you and your family. The aftermath of a motorcycle accident often brings severe injuries, mounting medical bills, and overwhelming stress as you try to navigate insurance claims while focusing on recovery.

Our experienced attorneys have seen firsthand how these accidents can permanently alter lives. We know that motorcycle riders face unique challenges on Harrisburg roads, and when accidents occur, the injuries tend to be catastrophic. Insurance companies may try to minimize your claim or unfairly blame you for the crash.

You shouldn’t have to face these challenges alone. Our legal team will handle every aspect of your case, from investigating the accident and documenting damages to negotiating with insurance companies, allowing you to focus on what matters most – your recovery. Contact Munley Law today to discuss how we can help you secure the compensation you deserve. […]

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Harrisburg Personal Injury Lawyer

If you’re in Harrisburg and need a personal injury lawyer, you’re looking for someone to help you get back on your feetHarrisburg Personal Injury Lawyer after a Central Pennsylvania accident. Our experienced personal injury lawyers in Harrisburg are dedicated accident attorneys who support you during tough times, ensuring you receive the care and maximum compensation you deserve.

Why Should I Hire a Harrisburg Personal Injury Lawyer?

Hiring Harrisburg personal injury attorneys can make a big difference in how your case is handled and the outcome you achieve. A Dauphin County lawyer understands the community and has experience dealing with local insurance companies and courts. They can handle the legal system efficiently, gather evidence, negotiate with insurance adjusters, and advocate for your best interests.

By hiring a Harrisburg personal injury lawyer, you can increase your chances of receiving fair compensation for medical bills, lost wages, […]

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What Is the Statute of Limitations For a Slip and Fall Injury in Philadelphia?

yellow caution sign for slippery floorIf you were injured in a slip and fall accident in Philadelphia, the amount of time you have to take legal action is limited. Pennsylvania law sets strict deadlines for filing personal injury claims, and missing them can permanently bar recovery, regardless of how serious the injuries are.

The statute of limitations establishes how long an injured person has to file a lawsuit after a slip-and-fall accident. In some situations, that deadline is straightforward. In others, especially when a government entity or public property is involved, shorter notice requirements can apply and significantly affect a claim. Understanding which deadline applies, when the clock starts, and whether any exceptions exist is critical for protecting your legal options, as missing the applicable deadline can prevent any recovery.

Pennsylvania’s Statute of Limitations

In Pennsylvania, the statute of limitations for personal injury cases is typically two years from the date of the injury. […]

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Norristown Personal Injury Lawyer

At Munley Law, our Norristown personal injury lawyers have been helping injured people throughout Pennsylvania for over 60 years. Our knowledge, skills, reputation, and vast resources make us one of the nation’s top personal injury law firms. If you have suffered harm because of someone else’s negligence, let us help you secure justice. The process begins with a free, no-obligation consultation with one of our attorneys. Call or chat live with us today to schedule a free consultation.

Types of Personal Injury Cases We Handle in Norristown, PA

Norristown Personal Injury LawyerTo maximize your claim’s chances of success, you’ll want to find a lawyer with experience handling cases like yours. Choosing a law firm that specializes in personal injury and has experience with your particular case type is important. These are some types of personal injury cases we have experience with at Munley Law. […]

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Can I Sue Uber for Emotional Distress After an Accident?

CAN I SUE UBER FOR EMOTIONAL DISTRESS?

Picture this: It’s Saturday night and you are leaving your favorite local restaurant. You plan to Uber back home after meeting up with friends. You book a car, and within no time, your Uber is waiting for you. All seems well until your Uber driver starts to exhibit signs of reckless driving. He’s speeding, being aggressive toward other drivers, and leaving you feeling uneasy. Then it happens, you’re in a car accident. Not only do you have physical injuries, but emotional trauma as well.

With more Americans opting for rideshare transportation, it’s no wonder that we’re seeing services like Uber and Lyft accounting for a percentage of total traffic accidents and fatalities. According to Uber’s own 2021-2022 Safety Report, motor vehicle fatalities involving Uber increased by 40% compared to the previous two-year period, rising from 101 to 153 deaths. So this begs the question — […]

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Workers’ Compensation for Neck and Back Injuries in Pennsylvania

Injuries to your neck and spine can be severe, and if they happened during an accident at work, the workers’ comp lawyers at Munley Law Personal Injury Attorneys can help you get what you deserve.

According to the Pennsylvania Department of Labor and Industry, neck and back injuries comprised 14% of workplace injuries in the state in 2019. That’s 24,057 incidents of neck or back injuries while on the job. Even more than the numbers, injuries to the neck and back can involve the spinal cord, making the consequences severe. Serious injuries can happen in a variety of workforces. However, statistics show the construction industry is particularly hard hit when it comes to neck and back injuries.

Workers’ comp cases can be challenging to navigate, particularly for severe occurrences that cause neck and back injuries. Large insurance companies will try to avoid paying you anything. […]

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Indiana Truck Accident Lawyer

A truck accident can change your life in an instant. If you or someone you love has been injured in a collision with a commercial vehicle, you need an experienced Indiana truck accident lawyer who understands both the impact of your injuries and the unique challenges these cases present. You’re likely facing overwhelming medical bills, lost income, and uncertainty about the future during this difficult time.

Truck accident cases are far more complicated than typical car crashes. When a commercial vehicle collides with a passenger car, the injuries are often severe, and the legal issues are anything but straightforward. These cases involve federal regulations, multiple insurance companies, and sophisticated evidence that requires specialized knowledge to handle effectively.

At Munley Law, our Indiana truck accident attorneys have dedicated their careers to helping victims like you recover from devastating truck crashes. We understand the physical, emotional, and financial hardships you’re experiencing, […]

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Hit and Run Accident Lawyer

If you have been injured in a hit and run accident, the hit and run accident lawyers at Munley Law are ready to take your case and help you secure the compensation you deserve. We have more than 65 years of experience representing personal injury clients and have won over a billion dollars in settlements to date.

Our skilled attorneys’ expertise is highlighted by the many industry awards they have won. All our lawyers have received honors from Best Lawyers, with senior partner Marion Munley named Lawyer of the Year for Personal Injury Litigation, and our firm has been named to Best Law Firms. Eight of our attorneys have also been recognized by Super Lawyers, and all five of our partners have been featured in the Lawdragon 500 Leading Plaintiff Consumer Lawyers list.

Our award-winning car accident lawyers understand the chaos and confusion you’re facing after a hit and run. […]

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Who’s At Fault in a T-Bone Accident?

If you have been injured in a T-bone crash, our experienced T-bone car accident lawyers can help you determine who is at fault and secure the compensation you deserve.

For more than 65 years, Munley Law has represented a range of personal injury cases and secured favorable verdicts for our clients. With over a billion dollars in settlements won to date and one of our car accident verdicts reaching $20 million, our firm and attorneys have been recognized by some of the legal industry’s leading directories, including the National Board of Trial Advocacy, the Summit Council, the American Association of Justice, and the Multi-Million Dollar Advocates Forum. All five of our firm’s partners hold AV Preeminent Ratings from Martindale-Hubbell and have been named to the Lawdragon 500 Leading Plaintiff Consumer Lawyers list.

Our skilled lawyers have the knowledge, experience, and dedication needed to guide you through the aftermath of your accident, […]

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Product Liability Lawyer

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Cancer Misdiagnosis Lawyer

Cancer Misdiagnosis Lawyer

If you or a family member have suffered because of a doctor’s incorrect or missed diagnosis of cancer, a cancer misdiagnosis lawyer at Munley Law Personal Injury Attorneys can help. Our medical malpractice lawyers have recovered millions of dollars on behalf of individuals and families who have suffered due to medical negligence, including settlements of $5 million, $4.35 million, $3.5 million, and $3.2 million. With over 250 years of combined legal experience and a firm that has been handling personal injury claims since 1959, we bring deep knowledge and proven results to every case.

One of our partners has been named Lawyer of the Year for Medical Malpractice Law, and another has been recognized among the Top 25 Medical Malpractice Trial Lawyers in Pennsylvania. We have also consistently been named among the Best Lawyers in America, and have earned the highest client satisfaction ratings possible. […]

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Aviation Accident Lawyers

If you or a loved one has been affected by an aviation incident, consulting with an aviation accident lawyer can make a difference in the outcome of your case and your ability to focus on recovery during a difficult time.

The aviation accident lawyers at Munley Law understand the unique challenges presented by aviation cases, from determining liability among multiple potential parties to navigating the specialized evidence needed to build a strong claim. We work with accident investigators, aviation experts, and medical specialists to establish causation and document the full extent of damages.  We have over 250 years of combined experience, and our firm has won multi-million dollar settlements, such as $32.25 million for a tragic airplane crash, as well as numerous industry awards and ratings from organizations such as Best Lawyers, Super Lawyers, Lawdragon, and Martindale-Hubbell.

We’ll take on the commercial airlines, airplane manufacturers, […]

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Traumatic Brain Injury Lawyer

Choosing the right traumatic brain injury lawyer places your case in the hands of attorneys who understand the medical, legal, and financial challenges that follow a severe injury. Munley Law has earned a reputation as one of the top law firms for catastrophic injury litigation, backed by award-winning attorneys with more than 250 years of combined experience. Families turn to us because we have consistently been named to the Best Firms in America list, a reflection of the skill and commitment that define our work.

Our results show what dedicated representation can achieve. Our personal injury attorneys have secured dozens of seven and eight-figure awards for injury clients, including a landmark $26 million settlement and another $6.5 million settlement for brain injury victims. These outcomes are possible because we work with leading expert witnesses who strengthen every aspect of your case and help us present the full scope of a traumatic brain injury. […]

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Birth Injury Lawyers

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 Can You Sue For Wrongful Death In A Motorcycle Accident Claim?

Losing someone you love in a motorcycle accident raises the question of whether you can sue for wrongful death. In many cases, the answer is yes, you can sue for wrongful death in a motorcycle accident claim, if another person or party’s actions caused the accident and your family’s loss.

Your motorcycle accident lawyer with Munley Law can explain how these claims work, what proof is needed, and how we can help your family pursue the justice and compensation you deserve. Contact us today for a free consultation. There is no fee for our services unless we win your case.

Speak with a motorcycle accident lawyer today.

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When a Motorcycle Crash Becomes Grounds for a Wrongful Death Lawsuit

If you lost a loved one in a motorcycle crash, […]

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Kentucky Truck Accident Lawyer

A collision with a commercial truck can change your life in an instant. Whether it happened on I-75 near Atlanta, I-95 outside Savannah, or a rural highway in southern Georgia, truck accidents often leave victims with serious injuries, costly medical bills, and overwhelming uncertainty about what to do next. If you or a loved one has been injured in a truck accident anywhere in Georgia, you need experienced legal representation on your side.

At Munley Law, our nationally recognized truck accident attorneys have decades of experience standing up to trucking companies and their insurers. We know the complex regulations that govern the trucking industry, and we know how to hold negligent drivers and companies accountable. From Macon to Augusta, Columbus to Alpharetta, we represent truck accident victims across the state of Georgia.

Our team of truck accident attorneys are leaders in the field of trucking litigation. […]

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Illinois Truck Accident Lawyer

If you’ve been involved in a truck accident in Chicago, Rockford, Peoria, Springfield, or anywhere else in Illinois, you need a special kind of lawyer to fight for you. You don’t just need a personal injury lawyer; you need a lawyer with experience and depth of knowledge in commercial trucking cases. At Munley Law, our Illinois truck accident lawyers are nationally recognized for their success in handling complex truck crash cases. With decades of experience and a deep understanding of federal and state trucking regulations, we stand up to trucking companies, insurers, and negligent parties to secure the maximum compensation for our clients. If you or a loved one has been injured in a truck accident, don’t face the legal battle alone; let our award-winning truck accident team help you get the justice you deserve.

Call or reach us online to discuss your case in a free consultation. […]

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Taxi Accident Lawyers

Were you injured in a taxi accident? The experienced taxi accident attorneys at Munley Law are here to help. With decades of experience handling complex vehicle accident cases nationwide, we understand the unique challenges taxi accident victims face. Whether you were a passenger, another driver, or a pedestrian, our team will fight for the compensation you deserve.

Contact our car accident lawyers today for a free consultation. We don’t get paid unless you win.

Why Taxi Accidents Happen

taxi accident lawyerTaxi accidents occur for many of the same reasons as other vehicle crashes, but with additional risk factors. Taxi drivers often work long shifts, sometimes 12 hours or more, leading to drowsy driving that slows reaction times and impairs judgment. The pressure to complete as many fares as possible can also lead to speeding, aggressive driving, and risky maneuvers. […]

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Can I Change Jobs While on Workers’ Compensation in Pennsylvania?

If you’ve been injured at work and receive workers’ compensation benefits in Pennsylvania, you might consider changing jobs for various reasons. Perhaps you’re seeking better opportunities, need to relocate, or want a position accommodating your medical restrictions. However, changing jobs while on workers’ compensation requires careful consideration to protect your benefits.

Avoid losing workers’ compensation benefits by making employment changes without legal guidance. The experienced Pennsylvania workers’ compensation attorneys at Munley Law have protected injured workers’ rights for over 65 years. Call us today for a free consultation to discuss your specific situation.

How Changing Jobs Affects Your Workers’ Compensation Benefits

When considering a new job while receiving workers’ compensation in Pennsylvania, understanding how this transition affects your benefits is essential. Changing employers doesn’t automatically terminate your workers’ compensation claim, but it can impact various aspects of your benefits. Here’s what you need to know about how changing jobs affects your medical coverage and wage loss benefits:

  • Medical Benefits Will Continue: Your right to medical treatment comes from when your work injury occurred. […]

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