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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Can I Sue for Chemical Burns?
Chemical burns can occur anywhere — in workplaces, homes, or public spaces — often leaving victims with severe injuries that require extensive medical treatment and time away from work. If you’ve suffered chemical burns in Pennsylvania, you have the right to pursue legal action against those responsible for your injuries.
The physical, emotional, and financial toll of a chemical burn injury can be overwhelming. Beyond the immediate medical costs, many victims face long-term rehabilitation, lost income, and permanent scarring. Pennsylvania law provides several paths to compensation, including personal injury claims, workers’ compensation, and product liability lawsuits.
At Munley Law, our personal injury attorneys have extensive experience handling chemical burn cases throughout Pennsylvania. We understand the complexity of these cases and work to identify all potentially liable parties to maximize your compensation.
Contact our law firm today for a free consultation to discuss your chemical burn injury case. […]
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Bucks County, PA – Person Rescued From Three-Car Crash
QUAKERTOWN, PA (March 6, 2025) — A crash between three cars in Bucks County occurred around 8:20 a.m., according to firefighters who were dispatched to the scene.
One person was trapped in their vehicle, requiring a side removal. Responders quickly stabilized the vehicle and freed the person before transferring them to EMS.
Hazard crews cleared the scene at the intersection of Park Avenue and South Main Street within an hour. The school bus involved in the crash reportedly did not have any children on it.
Officials continue to investigate.
Multi Car Accidents in the Philadelphia Area
Unlike simple two-car collisions, determining fault in multi-vehicle accidents often involves difficult investigations. Multiple parties may share varying degrees of responsibility, making these cases particularly challenging.
Pennsylvania’s comparative negligence laws add another layer of difficulty, as your percentage of fault can reduce compensation in causing the accident. […]
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King of Prussia Workers Compensation Lawyer
A King of Prussia workers’ compensation lawyer at Munley Law helps injured employees secure the benefits they need after workplace accidents. Our legal team understands the challenges workers face in Montgomery County’s diverse industrial, healthcare, and commercial sectors. From warehouse injuries at the King of Prussia Mall to construction accidents along US-422, we guide clients through Pennsylvania’s workers’ compensation system to ensure they receive proper medical care and wage loss benefits.
With decades of experience representing injured workers throughout southeastern Pennsylvania, we understand how much getting injured on the job can affect your life. Whether you were hurt in a manufacturing facility, injured in an office environment, or experienced a healthcare-related accident, our attorneys work directly with you to build a strong claim. We handle your case while you focus on recovery.
Types of Workplace Injuries We Handle in King of Prussia, PA
Workplace accidents in King of Prussia reflect the area’s position as Montgomery County’s commercial center. […]
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Can Parents Be Held Liable for Their Teen’s Car Accident?
When your teenager starts driving, it opens up a new world of independence for them – and a new realm of responsibility for you as a parent. If your teen is involved in a car accident, you could find yourself legally and financially liable for any injuries or property damage they cause.
Parents should understand that teens face higher risk of motor vehicle crashes due to their inexperience and tendency toward distraction. And if your teen does get into a car accident, it can have serious implications for your entire family’s financial future.
Why Teens Pose an Increased Risk for Car Accidents
Statistics consistently show that teenage drivers have higher accident rates than any other age group. In fact, motor vehicle crashes are among the leading causes of death for teenagers aged 16-19. Statistically, the motor vehicle crash death rate for male drivers ages 16–19 years is three times as high as the death rate for female drivers in the same age group. […]
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Upper Darby Truck Accident Lawyer
Upper Darby’s highways and busy city streets are filled with passenger vehicles, tractor trailers, and everything in between. When trucks and cars collide, the aftermath can be catastrophic. From traumatic brain injuries to lost limbs, severe injuries can be just the tip of the iceberg for accident victims and their families. At Munley Law, we’ve guided hundreds of truck accident victims through these devastating crashes. Since 1959, our team has secured multi-million dollar verdicts against negligent trucking companies and their drivers.
Our Upper Darby truck accident lawyers are recognized national leaders in commercial truck litigation. We’ve fought and won cases against every major trucking company in America, served on the boards of national trucking safety organizations, and helped shape the laws that protect Pennsylvania drivers from dangerous trucking practices.
After an accident, the trucking company’s insurance adjusters may pressure you to accept a low settlement. […]
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