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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Lancaster Workers Compensation Lawyer
Navigating the intricacies of workers’ compensation in Pennsylvania can be a challenge. When life throws you a curveball in the form of a workplace injury or illness, you need more than just legal representation. You need a dedicated ally who understands Lancaster, its people, and the industries that drive this region forward.
Munley Law, a Pennsylvania-based workers’ compensation law firm, is here to be that ally. With a deep connection to Lancaster County, our team of attorneys is committed to providing you with the local expertise and legal support you need during difficult times. We have been fighting for injured workers in PA for more than 60 years.
Lancaster, a home to diverse industries
Lancaster, Pennsylvania, is known for its diverse industries, including agriculture, manufacturing, and healthcare. The region boasts landmarks like the historic Central Market, where locals and tourists alike gather to enjoy the flavors of Lancaster’s culinary heritage. […]
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Lancaster Workers’ Compensation Death Benefits
Losing a loved one due to a work-related injury can be an incredibly challenging situation for surviving family members. You may be wondering about the death benefits available to you and your family during this difficult time.
Workers’ compensation death benefits can provide crucial financial support to dependents of a deceased worker. These benefits can be a lifeline for the family members left behind.
Munley Law understands
At Munley Law, we understand that Lancaster is a thriving city, home to a vital workforce and diverse industries. We know work related accidents can happen at any time and when they do, they can devastate a family. Our experienced attorneys are here to guide you through the process of obtaining workers’ compensation death benefits. We offer a free consultation to discuss your specific situation and determine how many children, dependent parents, or surviving family members are eligible to receive benefits based on the deceased’s average weekly wage and the worker’s average weekly wage. […]
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Texting While Driving Accident Lawyer
Texting and driving is an incredibly negligent act, and one that is far too common. If you or someone you love have been hurt in an accident with a driver who was texting or using a cell phone behind the wheel, contact a texting while driving accident lawyer at Munley Law Personal Injury Attorneys. Since 1959, our car accident lawyers have fought for injured victims and their families. We have helped thousands of people recover compensation for their medical bills, lost time from work, and the pain and suffering they’ve endured.
Our attorneys have consistently been named among the Best Lawyers in America (via the legal guide Best Lawyers) and the nation’s Best Law Firms (via U.S. News and World Report). We have earned our clients’ trust and our peers’ respect. If you have suffered an injury from a distracted driver’s hands, contact us for a free consultation today. […]
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Car Accidents in Bad Weather
Bad Weather
If you have been injured by a negligent driver in a car accident in bad weather, you may be able to file a personal injury lawsuit against the responsible party. Proving negligence in a bad-weather accident can be complicated, so your best course of action is to consult an experienced car accident lawyer as soon as possible. Since 1959, [firm-name] has been the go-to law firm for injured victims. Our car accident lawyers have earned the highest possible peer and client ratings from Martindale-Hubbell, and have been named among the Best Lawyers in America by the legal guide Best Lawyers. We have won millions of dollars on behalf of our clients in Pennsylvania, New York, New Jersey, and all over the United States.
If you have suffered an injury in a car accident caused by a careless driver in bad weather, […]
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FAQs About Workers’ Compensation in Harrisburg, PA
Harrisburg, Pennsylvania: Your Workers’ Compensation Questions Answered
As your dedicated workers’ compensation lawyers in Harrisburg, we understand that navigating the intricacies of workers’ compensation law can be challenging. That’s why we’ve compiled this extensive guide to provide you with essential insights and guidance tailored to our local community.
When it comes to workers’ compensation, you need information that’s not only accurate but also relevant to your specific circumstances. Munley Law’s Harrisburg-based legal team has deep roots in the local community and a wealth of experience assisting injured workers and their families throughout the Susquehanna Valley.
Why Choose a Local Harrisburg Attorney for Workers’ Compensation?
Before we dive into your questions, let’s address why having a local workers’ compensation attorney in Harrisburg, Pennsylvania, matters when dealing with workers’ compensation. The nuances of workers’ comp law can vary from one state to another, […]
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