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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Cranberry Township Medical Malpractice Lawyer
When you need a medical malpractice lawyer in Cranberry Township, the first step is determining whether medical negligence harmed you or a loved one. At Munley Law, we understand that victims of medical errors face physical, emotional, and financial challenges while tackling the healthcare and legal systems.
Our medical malpractice team has secured millions in compensation for Pennsylvania patients harmed by medical negligence. We work directly with medical experts to thoroughly investigate claims involving surgical errors, misdiagnoses, medication mistakes, and birth injuries.
Pennsylvania law provides specific timelines for filing medical malpractice claims. The sooner you contact our experienced attorneys, the better we can protect your rights and pursue the compensation you deserve for medical bills, lost wages, and pain and suffering.
Contact a Cranberry Township personal injury lawyer at Munley Law today for a free consultation about your potential medical malpractice case. […]
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Cranberry Township Nursing Home Abuse Lawyer
If your loved one has suffered abuse in a Cranberry Township nursing home, you don’t have to face this situation alone. At Munley Law, our Cranberry Township nursing home abuse attorneys understand the pain and anger families feel when they discover caregivers have harmed their loved ones. For 65 years, our nursing home abuse attorneys have helped Butler County families hold negligent facilities accountable and get justice for victims of elder abuse.
Pennsylvania families place their trust in nursing homes to provide their elderly and disabled family members with proper care. Still, abuse and neglect remain serious problems in facilities across Butler County. The signs aren’t always obvious at first. This is why having an experienced legal team makes a difference.
Our Cranberry Township nursing home abuse lawyers work directly with families to investigate suspected elder abuse, gather evidence, and take swift action to protect vulnerable residents. […]
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Cranberry Township Premises Liability Lawyer
Premises liability isn’t a term many people know, but if you’ve been injured on someone else’s property in Cranberry Township, understanding the claims process will be extremely important. Whether you were hurt at Cranberry Mall, a local restaurant, or someone’s home, Pennsylvania property owners have a legal duty to keep their premises safe for visitors.
Our our Cranberry Township premises liability lawyers brings 65 years of experience handling premises liability cases in Butler County. We thoroughly investigate your accident, gather evidence of negligence, and build a strong case while you focus on recovery. Our attorneys have secured millions in settlements and verdicts for clients injured on dangerous properties.
Contact Munley Law today for a free consultation with our Cranberry Township personal injury attorneys. We don’t charge any fees unless we win your case.
Common Types of Premises Liability Claims in Cranberry Township
Not every accident leads to a premises liability claim – […]
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Cranberry Township Motorcycle Accident Lawyer
A Cranberry Township motorcycle accident lawyer from Munley Law can help you get the money you deserve after a serious crash. Our attorneys have secured millions of dollars in settlements and verdicts for injured riders throughout Butler County.
When insurance companies try to underpay your claim or blame you for the accident, we have the experience and resources to fight back. We understand Pennsylvania’s motorcycle laws, handle all communication with insurance companies, and focus on getting you maximum compensation while you focus on recovery.
Don’t wait to get help – call Munley Law for a free initial consultation with our Cranberry Township personal injury lawyers. We never charge a fee unless we win your case.
Understanding Motorcycle Accidents in Cranberry Township
Recent data shows that motorcycle accidents in Pennsylvania have increased by nearly 15% from 2019 to 2023. […]
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Clearfield County, PA — Single-Vehicle Crash on I-80 Causes Fatality
CLEARFIELD COUNTY, PA (March 10, 2025) —— A one-vehicle crash in Union Township led to the death of the pickup truck’s driver on Saturday, March 8.
According to local news, the crash occurred at 5:40 AM on I-80 East at mile marker 107.2.
State Police report that the 77-year-old driver abruptly lost control of his truck and left the roadway for unknown reasons. He hit an embankment before slamming into a concrete catch basin, which flipped the car on its roof.
There was a 22-year-old passenger who was extricated and taken to the hospital with minor injuries. The driver was pronounced dead at the scene.
Fatal Car Crashes in Clearfield County
Fatal crashes can be psychologically and physically traumatic for the loved ones and survivors of these crashes.
The aftermath of a single-vehicle accident extends far beyond property damage. […]
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