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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Philadelphia Cerebral Palsy Lawyer
If you or someone you know is living with cerebral palsy as the result of medical negligence in Philadelphia, finding the right lawyer can make a big difference. A Philadelphia cerebral palsy lawyer specializes in helping individuals and families affected by this condition navigate legal matters. They can provide support and guidance to ensure that the rights of those with child’s cerebral palsy are protected.
From seeking compensation for medical expenses to advocating for accommodations, these lawyers play a vital role in standing up for their clients’ well-being when unfortunate cerebral palsy cases or a brain injury occurs.
Understanding Cerebral Palsy
Cerebral palsy is a condition impacting movement and muscle coordination, typically caused by brain damage or brain injury before or during birth. This damage affects muscle control, leading to challenges with movement, posture, and balance.
While cerebral palsy isn’t curable, […]
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Philadelphia Erb’s Palsy Lawyer
Erb’s palsy is a condition caused by damage to the nerves around the shoulder during childbirth, resulting in weakness or paralysis of the affected arm. It occurs due to excessive stretching or pulling of the baby’s head and neck during delivery.
A Philadelphia Erb’s palsy lawyer specializes in these birth injury cases. Erb’s palsy lawyers help families pursue legal action against responsible parties to secure compensation for medical expenses and other damages. They work diligently to analyze medical records, collaborate with experts, and craft persuasive legal arguments.
Ultimately, the goal of a Philadelphia Erb’s palsy lawyer is to support families affected by Erb’s palsy by seeking justice and financial relief.
What is Erb’s Palsy?
As mentioned above, Erb’s palsy is a condition that affects the movement and strength of the arm, usually stemming from birth trauma. […]
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When Should I Hire a Lyft Accident Lawyer in Allentown, PA?
If you or a loved one has been in a Lyft accident in Allentown, PA, hiring a Lyft accident lawyer in Allentown may be the best path toward securing justice and financial compensation. Contact our law firm today for a free consultation, and learn how we can fight to protect you and your interests.
When Do You Need an Allentown Lyft Accident Lawyer?
If you are injured in a Lyft accident, you need an Allentown Lyft accident lawyer to help with your claim. Going up against Uber or Lyft in a legal setting can be intimidating. These large and powerful companies have vast resources, so having one of our experienced rideshare accident attorneys on your side is important.
Suppose there are no injuries to any party involved in the accident and no property damage. In that case, you may be able to resolve things through your insurance company without involving an experienced lawyer. […]
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Can I Sue Uber As a Passenger After an Accident in Allentown, PA?
Yes, it is possible to sue Uber if you were in an accident as a passenger in Allentown, PA. Unfortunately, Ubers experience car accidents just like any other vehicle. And after such an accident, you’ll need an Allentown Uber accident lawyer at Munley Law to help with your accident claim.
What is Uber’s Liability for an Auto Accident in Allentown?
Uber has frameworks in place to protect itself from liability in the event of an accident. They treat their Uber drivers as independent contractors, not employees, which helps mitigate the company’s responsibility. When a driver is an independent contractor, they are more easily held responsible for their actions rather than those actions reflecting on the company as a whole.
That being said, there are still situations where the company, not the Uber driver, may be liable. […]
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What Are the Common Types of Truck Accidents in Williamsport, PA?
Truck accidents are a significant safety concern in Williamsport, PA, for both motorists and pedestrians. Given the area’s commercial activity and frequently traveled roads, the likelihood of accidents involving large trucks has increased. If you get into a trucking accident in Lycoming County, you’ll need a Williamsport truck accident lawyer to help with the claim.
What Causes Truck Accidents in Williamsport, PA?
Truck accidents in Williamsport, PA, can be attributed to various factors, each presenting its own set of risks to road safety. Some of the most common causes of truck crashes include:
Distracted Driving
Truck drivers may become distracted by texting, adjusting GPS devices, or eating while operating their vehicles. Even for a few seconds, these distractions divert their attention from the road, increasing the risk of collisions and severe injuries due to delayed reactions or failure to notice hazards. […]
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