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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How Does a Williamsport Truck Accident Lawyer Investigate Your Trucking Accident?
Investigating truck accidents is far from a simple process. These inquiries require a deep grasp of commercial trucking operations, federal regulations, and local laws. One of the things that separates truck accidents from other motor vehicle collisions is the matter of liability or who is responsible for the incident. In a truck accident, liability can extend to various parties, including the truck driver, the trucking company, vendors, or even cargo loaders. To determine who is responsible for your accident, an experienced Williamsport truck accident lawyer will be needed to investigate the crash.
What Are the Causes of Most Truck Accidents in Williamsport?
The causes of most truck accidents in Williamsport can vary, but some of the most common factors include:
Driver Error
Driver error includes a range of behaviors such as speeding, […]
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What Should You Do After a Hit and Run Car Accident in Williamsport, PA?
Each year, thousands of drivers find themselves victim to a hit and run car accident on the roadways or in a parking lot. When the initial shock ends, victims are left in battles with the insurance company, mounting medical expenses, and property damage. Knowing what to do after a hit and run car accident in Williamsport can be critical to the success of your personal injury claim.
A Williamsport car accident lawyer at Munley Law can guide you through the next steps if you were involved in a hit and run accident.
What is a Hit and Run Car Accident?
A hit and run accident is a collision involving a car, pedestrian, or piece of property where one driver flees the scene, leaving the victim without information to contact them for the next steps. Hit and run accidents differ from other automobile accidents because the victim must utilize their auto insurance alone to recoup damages. […]
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Allentown Healthcare Worker Injury Lawyer
Our Allentown Workers’ Compensation Attorneys Will Fight for Your Rights
Healthcare workers are more likely than workers in other industries, such as office workers, to suffer workplace injuries. Workers’ compensation benefits exist to compensate healthcare employees suffering work-related injuries to cover medical expenses, lost wages, and other costs. An Allentown workers’ compensation attorney can help you recover maximum compensation.
If you have been injured at work in Allentown or the surrounding areas of the Lehigh Valley, Munley Law can help you understand your rights.
What Does Workers’ Comp Benefits Cover for Allentown Healthcare Workers?
In the Lehigh Valley, most employers must provide workers’ comp coverage for medical benefits and wage loss benefits needed due to job-related injuries. Under Pennsylvania law, injured workers can file a workers’ compensation claim if they were hurt while doing work-related tasks. The amount of time an injured worker can receive benefits depends on how severe the injury is and if the worker will be permanently disabled. […]
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Allentown Workers’ Compensation Attorneys for Warehouse Workers
Workers’ Compensation For Allentown Warehouse Workers
Warehouse workers provide a valuable link in the world of commerce. They ensure the efficient distribution of goods from manufacturers to consumers. Working amid conveyor belts and motorized vehicles for moving pallets and transporting orders for shipment is especially dangerous after long work hours. If you or a loved one has experienced an injury in a warehouse accident in Allentown, you may be eligible for workers’ compensation benefits. Legal advice or action is sometimes needed to secure payment. Don’t hesitate to contact an Allentown workers’ comp lawyer for a free consultation.
What Type of Workers’ Comp Benefits Are Available For Allentown Warehouse Workers?
Workers’ compensation, with certain restrictions, covers medical expenses, lost wages, and disability benefits if the injury prevents a return to work. Regarding the replacement of lost wages for the time a worker is unable to return to work, […]
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Workers’ Compensation Specific Loss Benefits in Allentown, PA
Allentown Workers’ Comp Lawyer for Specific Loss Benefits
Workplace injuries that cause loss of use or amputation of a body part, such as a finger, hand, arm, toe, or foot, are called a “specific loss.” When you suffer a specific loss on the job, an Allentown workers’ comp attorney can help you receive the compensation you deserve.
If you need help understanding whether you qualify to file a claim for workers comp and specific loss, call an Allentown workers’ comp lawyer at Munley Law. We can assess your claim and file it for you. If you previously filed a claim for a specific loss, and your claim was denied, an experienced workers’ comp lawyer can appeal your claim to ensure you receive the compensation due to you.
