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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Upper Darby Workers’ Compensation Lawyer
Workers’ compensation protects employees in Upper Darby who suffer injuries or illnesses on the job. Pennsylvania law requires most employers to carry workers’ comp insurance, but securing benefits in a successful claim is not always straightforward. At Munley Law, we’ve spent over 60 years helping injured workers get the compensation they need after workplace accidents.
If you suffered an injury performing your job duties, don’t let insurance companies minimize your claim or deny your benefits. Contact Munley Law today for a free consultation with our Upper Darby workers’ compensation attorneys. Our experienced legal team has recovered millions in benefits for injured workers throughout Pennsylvania, and we can help you file your claim or appeal.
What Does Workers’ Compensation Cover in Upper Darby?
Pennsylvania’s workers’ compensation system protects Upper Darby employees injured on the job. The Pennsylvania Workers’ Compensation Act established this no-fault insurance system, […]
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Sunbury Personal Injury Lawyer
After being involved in an accident, your life can turn upside down. With mounting medical expenses, lost wages, property damage, and the emotional distress you’ve been through, you may need some help taking legal action. This is
where Munley Law comes in. For more than 60 years, our Sunbury personal injury lawyers have helped injury victims recover compensation for their catastrophic injuries.
If you or a loved one were hurt due to someone else’s negligence and are looking for personal injury lawyers serving Sunbury, call the Northumberland County personal injury law firm of Munley Law to begin case evaluations.
Personal Injury Cases We Handle in Sunbury
Munley Law will take on the insurance company and liable parties for your personal injury claims. Below are the personal injury practice areas we commonly see.
Car Accidents
In 2022, 660 car accidents were reported in Northumberland County. […]
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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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