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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What Are the Signs of Shock After a Car Accident?
The force of a car crash can send the body into shock, a serious physical condition that can be life-threatening. While victims of car accidents often experience a state of mental shock, medical shock is something different. Medical shock is a condition that occurs when your body struggles to pump enough blood to your vital organs. Understanding the signs of both physical and emotional shock after a car accident can help ensure you receive the care you need and avoid dangerous complications.
Common Types of Shock Caused By Car Accidents
Shock happens when a lack of blood flow prevents oxygen from getting to your organs, which can lead to permanent damage or death if not treated quickly. There are a few different kinds of shock that can occur as a result of a car accident:
Hypovolemic Shock
In car accidents, […]
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Cranberry Township Car Accident Lawyer
Motor vehicle accidents always result in a loss: the loss of physical freedom, the loss of expensive property, the loss of emotional stability, the loss of financial security, and sometimes even the loss of life. While a car accident lawsuit can’t undo what happened to you or your loved ones, it can help alleviate the unexpected financial burden of the crash and give you some sense of justice and peace.
The Cranberry Township car accident attorneys at Munley Law are here to help pick up the pieces after a serious accident. Since opening our doors in 1959, we have helped clients throughout Butler County recover compensation for medical bills, lost wages, and other crash-related expenses. Contact us today for a free consultation about your case with a Cranberry Township personal injury lawyer. We’ll review your options and explain how we can help protect your rights under Pennsylvania law. […]
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Cranberry Township Personal Injury Lawyer
If you’ve suffered a personal injury and live in Cranberry Township, the experienced attorneys at Munley Law are here to help. We’ve spent decades assisting people in Butler County and the surrounding areas get the compensation they deserve after serious injuries.
You shouldn’t have to handle medical bills, insurance paperwork, and lost wages on your own after an injury. The Cranberry Township personal injury attorneys at Munley Law manage every aspect of your case so you can focus on getting better. Our track record includes millions in settlements and verdicts for Butler County residents who’ve been the victims of serious accidents, and we’re ready to put that experience to work for you.
Why Choose a Personal Injury Attorney at Munley Law
The attorneys at Munley Law bring deep Butler County knowledge to your personal injury case. Our local experience matters—from understanding how specific intersections along Route 19 impact car accident cases to knowing which insurance adjusters handle claims in our region. […]
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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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