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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Shippensburg Personal Injury Lawyer
When someone else’s negligent behavior injures you or a loved one, you need experienced legal counsel on your side. Whether you’ve been involved in a workplace accident or a vehicle crash, Munley Law’s Shippensburg personal injury lawyers can help.
We’ve represented clients in every type of personal injury case throughout Cumberland County, giving us the expertise to identify and establish the cause of your accident. Our attorneys specialize in cases related to Shippensburg’s primary industries: manufacturing, distribution, agriculture, and military contracting. No matter how complex your situation, Munley Law is committed to securing the justice you deserve.
If you were injured in Shippensburg, PA, our personal injury attorneys are on your side. Contact us today to schedule a free consultation.
Our Personal Injury Practice Areas in Shippensburg, PA
Munley Law offers comprehensive legal representation across a diverse range of injury cases throughout the Shippensburg community. […]
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Lancaster County, PA – 5-Vehicle Wreck with Tractor-Trailer on Route 30 Injures 3
MANHEIM TOWNSHIP, PA (March 7, 2025) —A tractor-trailer and four other vehicles collided in Lancaster County, leading to the hospitalization of three people.
According to local news, the collision occurred on Route 30 Eastbound at the Lititz Pike/Route 501 exit around 6:30 a.m.
Officials reported that the tractor trailer crashed off the eastbound lanes, blocking Chester Road. A chain reaction was caused when vehicles failed to stop for the obstruction.
Three people were taken to the hospital, but no life-threatening injuries were sustained.
Officials continue to investigate.
Truck Accidents in Lancaster County
Chain-reaction crashes involving multiple vehicles frequently occur on Pennsylvania’s busy highways. The consequences become even more severe when commercial trucks become involved in multi-vehicle scenarios. This extreme weight disparity means truck accidents often result in catastrophic injuries or fatalities, particularly for occupants of smaller vehicles. Pennsylvania’s position as a major logistics corridor means our highways see heavy commercial truck traffic, […]
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Lower Paxton Township Personal Injury Lawyer
No one anticipates a life-altering accident. We don’t drive expecting a collision, so we rely solely on our vehicle’s safety features. We don’t climb scaffolding anticipating a fall, so we lack financial reserves for extended work absences. And nothing prepares us emotionally for losing someone we love to a preventable tragedy.
In the aftermath, legal action rarely tops our priorities. Yet because these devastating events weren’t part of our life plan, a personal injury claim often becomes the bridge between financial stability and ruin. This is where a Lower Paxton personal injury lawyer from Munley Law makes all the difference. For 65 years, our firm has supported Harrisburg-area residents, guiding Lower Paxton Township neighbors through complex injury cases to secure the compensation they deserve.
Our Lower Paxton personal injury lawyers serve clients throughout the township—from Colonial Park to Linglestown and all communities between. Choosing Munley Law means receiving personalized attention from nationally recognized attorneys who excel in personal injury advocacy. […]
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Upper Darby Workers’ Compensation Lawyer
Workers’ compensation protects employees in Upper Darby who suffer injuries or illnesses on the job. Pennsylvania law requires most employers to carry workers’ comp insurance, but securing benefits in a successful claim is not always straightforward. At Munley Law, we’ve spent over 60 years helping injured workers get the compensation they need after workplace accidents.
If you suffered an injury performing your job duties, don’t let insurance companies minimize your claim or deny your benefits. Contact Munley Law today for a free consultation with our Upper Darby workers’ compensation attorneys. Our experienced legal team has recovered millions in benefits for injured workers throughout Pennsylvania, and we can help you file your claim or appeal.
What Does Workers’ Compensation Cover in Upper Darby?
Pennsylvania’s workers’ compensation system protects Upper Darby employees injured on the job. The Pennsylvania Workers’ Compensation Act established this no-fault insurance system, […]
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Sunbury Personal Injury Lawyer
After being involved in an accident, your life can turn upside down. With mounting medical expenses, lost wages, property damage, and the emotional distress you’ve been through, you may need some help taking legal action. This is
where Munley Law comes in. For more than 60 years, our Sunbury personal injury lawyers have helped injury victims recover compensation for their catastrophic injuries.
If you or a loved one were hurt due to someone else’s negligence and are looking for personal injury lawyers serving Sunbury, call the Northumberland County personal injury law firm of Munley Law to begin case evaluations.
Personal Injury Cases We Handle in Sunbury
Munley Law will take on the insurance company and liable parties for your personal injury claims. Below are the personal injury practice areas we commonly see.
Car Accidents
In 2022, 660 car accidents were reported in Northumberland County. […]
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