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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What Does a Car Accident Lawyer in Stroudsburg, PA Do?
Car accidents can be a traumatic and overwhelming experience for anyone involved. In the aftermath of an auto accident, dealing with injuries, property damage, and insurance claims can be daunting. This is where a Stroudsburg car accident lawyer comes in.
These legal professionals specialize in handling cases related to car accidents and can provide much-needed assistance and guidance during this stressful time.
How Can a Car Accident Lawyer Help?
A car accident lawyer knows their way around cases concerning car crashes or motor vehicle accidents. They’re well-versed in all the laws and rules about car accidents and can guide and represent people in these situations.
Whether you’re looking to get paid back for injuries or damage to your car or need a hand with your insurance company, claims, or other legalities, a car accident lawyer is your go-to person. […]
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How Much Does It Cost to Hire a Catastrophic Injury Lawyer in Scranton, PA?
Disastrous events and devastating accidents can result in catastrophic injuries. These might be rare events like an explosion or train crash or common occurrences like a truck or car crash. They can also result from medical malpractice or workplace accidents. Catastrophic injuries can have a life-altering impact on the victims and their families. If you or a loved one has suffered a catastrophic injury in Scranton, PA, you may be wondering how much it will cost to hire a Scranton catastrophic injury lawyer. Let’s discuss.
What Is a Catastrophic Injury?
Catastrophic injuries are severe injuries that typically result in long-term or permanent disabilities. These injuries can affect various body areas, including the brain, spinal cord, limbs, or internal organs. Examples of catastrophic injuries include traumatic brain injury, spinal cord injuries, amputations, severe burns, and organ damage. […]
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Workers’ Compensation: Third Party Claims in York
Workplace injuries can happen unexpectedly in the heart of York County, where hardworking individuals like yourself contribute significantly to our community. When a work injury is caused by another party, understanding your rights and options is paramount. You may be able to collect additional compensation if someone causes your workplace accident. That’s why it’s important to speak with a York workers’ compensation lawyer immediately to learn your options and see what compensation is available.
What Are Workers’ Compensation Third Party Claims?
Third party claims involve seeking compensation from parties other than your employer or the workers’ compensation insurance carrier. These claims arise when a negligent party, aside from your employer, contributes to workplace injury. Understanding third party claims is crucial for maximizing your recovery, whether it’s a premises liability issue, a personal injury claim, […]
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York Workers’ Compensation Lawyer
Navigating the complexities of workers’ compensation laws in York, PA, can be overwhelming. That’s why our York workers’ compensation lawyer is here to help. Every day, the legal team at Munley Law represents injured York workers across various industries, helping them understand that each case is unique and requires a personalized approach. Whether you’re dealing with medical expenses, lost wages, or the stress of recovery, our goal is to alleviate your burden and guide you through the legal process with expertise and compassion.
How Can Our York Workers’ Compensation Attorneys Help With Your Benefits
A York workers’ compensation attorney can help you with your workers’ comp benefits in various ways, especially since the laws can be challenging to navigate independently. They can help in the following ways:
Understanding Your Rights
Your workers’ comp lawyer will explain the benefits available under Pennsylvania workers’ […]
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What Do Scranton Medical Malpractice Lawyers Do?
If you or a loved one have experienced a medical error or negligence from a healthcare provider in Scranton, Pennsylvania, you may wonder about your legal options. This is where the expertise of a Scranton medical malpractice attorney comes into play.
These specialized attorneys have extensive knowledge and experience in handling cases involving medical malpractice in Scranton. They work diligently to protect the rights of their clients and help them seek justice and compensation for any harm caused by a medical professional. In this blog post, we will delve into the role and responsibilities of a Scranton medical malpractice attorney and how they can assist you in your case.
Defining Medical Malpractice
Medical malpractice occurs when a medical professional, such as a doctor, nurse, or hospital, deviates from the accepted standards of care, harming a patient. […]
