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 Lyft Be Held At Fault For an Accident in Philadelphia?
Lyft may be held at fault for an accident in Philadelphia if it can be proven that the driver’s negligence or Lyft’s operational policies played a part in the collision. Determining liability in car accidents can be complicated, and each case is unique. Seeking legal advice from a qualified Philadelphia Lyft accident attorney who can help you understand your rights and options is advisable.
How is Fault Determined in a Lyft Car Accident in Philadelphia?
Determining fault in a car accident involving a Lyft vehicle in Philadelphia depends on various factors, such as the specific circumstances of the accident, applicable traffic laws, and the actions of all parties involved.
In general, Lyft may be held responsible for an accident if it can be proven that the driver was negligent or reckless while driving under the Lyft platform. […]
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Stroudsburg Workers’ Compensation FAQs
Do I Need a Workers’ Compensation Lawyer in Stroudsburg?
If you have been hurt on the job or become sick, you want to notify your employer immediately, seek appropriate medical treatment from a licensed medical provider, and start applying for your workers’ compensation benefits as soon as possible. If you have experienced an injury or illness on the job and are unsure what your next steps should be, you want an experienced Stroudsburg workers’ compensation attorney fighting for your just compensation for your work-related injury or illness.
Below, you will find frequently asked questions we receive from our workers’ comp clients in Stroudsburg about their injuries and their claims. If you are injured while on the job, call the Stroudsburg workers’ compensation law firm with six decades of building a national reputation as a leader in personal injury law. Munley Law workers’ comp lawyers have earned the highest possible client and peer review ratings, […]
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Stroudsburg Workers’ Compensation: Common Work Injuries
If you were injured in Stroudsburg, you may wonder if workers’ comp covers your injury. Your best option is to contact an experienced Stroudsburg workers’ compensation lawyer at Munley Law to learn what benefits are available to you. Contact us today to schedule a free consultation.
Most Common Workplace Industries Where Injuries Occur in Stroudsburg
According to the National Safety Council (NSC), nearly 13,000 American workers suffer preventable injuries every day. Additionally, NSC found that in 2021, the following four industries could be ranked as the most dangerous to work at:
- Construction– experienced the most workplace deaths
- Education and health services– experienced the most nonfatal injuries and illnesses involving days away from work
- Agriculture, forestry, fishing, and hunting– experienced the highest death rate per 100,000 workers
- Transportation and warehousing– experienced the highest injury and illness rate involving days away from work per 10,000 workers
The Occupational Safety and Health Administration (OSHA) reports that, […]
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Stroudsburg Workers’ Compensation for Healthcare Workers
The Stroudsburg Healthcare Workers’ Compensation Experts
If you work in the healthcare or medical profession, you spend your time helping sick and injured patients improve. However, you are not immune from injuries and illnesses yourself. Medical professionals are more likely to get hurt at work than workers in construction, manufacturing, or production jobs. If you are a healthcare worker injured at work, you will need to cover your medical and personal costs with workers’ compensation benefits. You need experienced Stroudsburg workers’ compensation lawyers who will fight for you. Munley Law workers’ comp attorneys have more than 60 years of experience fighting for the rights of PA workers. Call today for a free consultation with one of our award-winning healthcare workers’ compensation lawyers.
How Dangerous Is It Working in the Healthcare Industry?
Healthcare workers face numerous work hazards daily. According to the US Centers for Disease Control and Prevention (CDC), […]
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Who Is At Fault in Most Philadelphia Motorcycle Accidents?
In Philadelphia, motorcycle accidents are common and frequently raise liability and fault questions. The key is that uncertainty arises around the physical injuries, which are accompanied by material damage, and the question of responsibility for the consequences. Analyzing motorcycle accident cases helps identify the factors and the most likely fault participants. This is where a knowledgeable Philadelphia motorcycle accident attorney is warranted and priceless to the news of their personal injury client.
What Causes Motorcycle Accidents in Philadelphia?
Some common causes of motorcycle accidents in Philadelphia include but are not limited to:
Traffic violations—Most motorcycle crashes are caused by a traffic violation on the part of any of the involved parties; these account for 14% of all traffic deaths (National Safety Council, 2023). Such traffic violations may include speeding, beating red lights, abrupt lane changes, […]
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