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.
More information about Insurance
Pittston Uber Accident Lawyer
Uber currently has 131 million active monthly users, including those in Pittston. But when a car accident occurs involving an Uber, victims have concerns over their rights to compensation. This is where a Pittston Uber accident lawyer can help.
The personal injury lawyers of Munley Law represent car accident victims, including those involved in Uber accidents. For a no-obligation, free consultation, contact Munley Law today.
What Are the Causes of an Uber Car Accident?
Uber car accidents, like any car accident, can occur due to various factors. Understanding these causes is crucial for preventing accidents and navigating legal issues in their aftermath. Common causes of Uber accidents include:
- Distracted Driving: One of the leading causes of all car accidents, distracted drivers may get occupied by their phones, GPS devices, or even conversations with passengers, leading to a lapse in attention and potential accidents. […]
More information about Insurance
Pittston Motorcycle Accident Lawyer
Driving a motorcycle puts you at an increased risk of serious injury compared to other car accident victims due to the size of the motorcycle versus a standard passenger vehicle. One wrong move by another driver can cause you to face lifelong consequences. This is when you need an experienced Pittston motorcycle accident lawyer.
From handling the insurance company, negotiating a settlement, and securing compensation, motorcycle accident victims can’t afford to be without legal representation. For a no-obligation, free consultation, contact the Pittston motorcycle accident lawyers of Munley Law.
What Are the Causes of Pittston Motorcycle Accidents?
Motorcycle accidents in Pittston can result from various factors. Understanding these causes is essential to the legal consequences when pursuing compensation after an accident.
Driver Error and Negligence
One of the leading causes of motorcycle accidents in Pittston is driver error or negligence. […]
Read MoreMore information about Insurance
Pittston Premises Liability Lawyer
If you’ve suffered an injury on someone’s property due to negligent upkeep or another hazard, you have a right to recover compensation for the injuries you suffered. However, premises liability claims can be complicated as proving liability can become a nightmare with the insurance company and negligent party. A Pittston premises liability lawyer can help remedy the situation by taking on your case and navigating the legal system on your behalf.
If you or a loved one were injured on someone else’s property, call Munley Law. Our Pittston personal injury lawyers can handle your claim.
Pittston Personal Injury Lawyers Handle Premises Liability Claims
Most of us will spend at least part of our day outside the comfort of our homes, whether going to work, the grocery store, or visiting with friends and family. Unfortunately, this also means we risk injury on someone else’s property. […]
Read MoreMore information about Insurance
Pittston Slip and Fall Lawyer
Slip and fall accidents can happen anywhere at any time. Sometimes, it’s just that–an accident. Other times, it could have been completely avoided had the property owner correctly maintained the space. Victims are entitled to compensation for injuries when a property owner fails to keep visitors safe. This is where a Pittston slip and fall lawyer comes in.
The Pittston personal injury lawyers at Munley Law represent slip and fall victims as they make claims against negligent parties. We can do the same for you.
What to Do After a Pittston Slip and Fall Accident
If you’ve been involved in a slip and fall accident and suffered an injury, there are steps you should take to ensure you get the compensation you deserve for the injuries you sustained and any damages incurred.
Seek Medical Attention
Even if you think you only suffered scratches and bruises, […]
Read MoreMore information about Insurance
Pittston Product Liability Lawyer
The products we use every day should be safe, right? Unfortunately, this isn’t always the case. Each year, thousands of product liability claims are filed for defective products that cause injury to consumers. If you have been injured due to a defective product, a Pittston product liability lawyer can guide you through the legal process.
For a free consultation, contact the product liability lawyers of Munley Law.
Types of Product Liability Claims
Product liability claims arise when defective or unsafe products harm consumers. These claims can be categorized into three primary types: design defects, manufacturing defects, and marketing defects.
Design Defects
Design defects focus on a product’s design flaws that make it inherently unsafe to consumers. In these cases, the argument is that the product’s design is fundamentally dangerous, even when made to specifications.
An example of a design defect would be a children’s toy that becomes broken and thus a choking hazard after light play as it was designed. […]
Read More
