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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Bethlehem Cerebral Palsy Lawyer
Three out of every 1,000 births in the United States will result in a baby being diagnosed with cerebral palsy. Sometimes, a child will develop cerebral palsy in the womb due to the brain not developing properly. Other times, cerebral palsy can be caused by medical negligence during the delivery process.
If your child was diagnosed with cerebral palsy as a result of medical malpractice, the Bethlehem PA, cerebral palsy attorneys of Munley Law can guide you through the legal process and help you get compensation for your child’s medical needs.
What is Cerebral Palsy?
Cerebral palsy is a group of neurological disorders that impact a person’s movement, balance, and posture. For some people with cerebral palsy, it can also cause intellectual disabilities, seizures, vision, hearing or speech loss, and spine and joint problems. […]
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Distracted Driving Accident Lawyer
If you have been in an accident caused by a distracted driver, contact a distracted driver accident lawyer at Munley Law. Distracted driving is dangerous behavior and one of the leading causes of severe and deadly car accidents across the country. Across the United States, legislators have begun acknowledging the dangers of distracted driving.
Distracted driving is nothing new. Since the advent of vehicles, drivers have been distracted by sights and sounds from the outside– billboards, reading bumper stickers, the actions of other drivers and pedestrians, and more. Unfortunately, the problem isn’t going away, and with the introduction of constantly changing technology, it is only getting worse.
Distracted driving is one of the most common reasons for traffic injuries and fatalities. In 2021, 3,522 people (drivers, pedestrians, passengers, and bicyclists) died due to distracted driving accidents, according to the National Highway Traffic Safety Administration (NHTSA). […]
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Carbondale, PA Fatal Car Accident Lawyer
Every year in Pennsylvania, more than 1,000 people will die in a car accident. Though nothing can bring them back to their families, there are legal options the loved ones of the deceased can take to secure financial compensation for the losses the accident caused.
If you have lost a loved one in a car accident in Carbondale, the Carbondale fatal car accident attorneys of Munley Law can provide legal guidance to you during this challenging time.
How Can a Carbondale Car Accident Attorney Help After a Fatal Wreck?
Our Carbondale car accident attorneys can guide you through the following legal steps following a fatal car wreck in Carbondale, PA.
Determine a Cause of the Collision and Establish Negligence
We know that determining the cause of a fatal wreck can be a challenge as one of the most critical eyewitnesses is unable to share their testimony. […]
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Pennsylvania Pedestrian Accident Lawyer
Pedestrian accidents can occur unexpectedly, leaving victims with severe injuries and mounting medical bills. In bustling cities like Philadelphia and Pittsburgh and quieter towns like Scranton and Wilkes-Barre, the risk of pedestrian accidents is ever-present so you may need a Pennsylvania pedestrian accident lawyer.
The aftermath of a pedestrian accident can be overwhelming. That’s where we come in. At Munley Law, we understand the challenges you face, and we are dedicated to providing compassionate support and expert legal guidance to accident victims for pedestrian accident claims throughout Pennsylvania.
If you’ve been injured in a pedestrian accident, don’t wait to seek help. Contact an experienced pedestrian accident lawyer at Munley Law today to discuss your case and start your journey toward justice and recovery.
What Are a Pedestrian’s Rights in Pennsylvania?
Under Pennsylvania law, pedestrians have certain rights and protections. A pedestrian hit by a car or truck automatically assumes the benefits of full tort insurance, […]
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What Are the Most Common Motorcycle Accidents in Pittsburgh, PA?
Various factors influence the most common motorcycle accidents in Pittsburgh. In big cities like Pittsburgh, where there are many cars, busy streets, and drivers who might not pay attention, riding a motorcycle can be more dangerous. The roads are often crowded, making it hard for drivers to see motorcycles, and sometimes people are distracted by phones or other things while driving.
After a motorcycle accident in the Steel City, you will need the assistance of a Pittsburgh motorcycle accident lawyer to help you with your claim. Contact Munley Law today to schedule a free consultation.
What Are the Most Common Pittsburgh Motorcycle Accidents?
The most common Pittsburgh motorcycle accidents include the following:
- Intersection Collisions: Pittsburgh, like pretty much all urban areas, has numerous intersections where vehicles of all types converge. Motorcycles can be especially at risk at these intersections because they might be harder for drivers of bigger vehicles to see. […]
